BlastPoint's Banking Scorecard
First National Bank
Heavener, OK
3 branches across OK
First National Bank has 4 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 23.9% in tier
- + Revenue Diversifier: Top 45.8% in tier
- + ROA 0.34% above tier average
- + Delinquency Rate 0.62% below tier average
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 21.9% in tier
- - Credit Quality Pressure: Bottom 25.3% in tier
- - Margin Compression: Bottom 55.7% in tier
- - Efficiency Ratio 2.80% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$103.9M
+0.1% YoY
+2.4% QoQ
|
-$282.2M |
$386.1M
+0.5% YoY
|
$1.2B
+6.7% YoY
|
$6.2B
+9.1% YoY
|
Bottom 1.5% in tier |
| Total Loans ? |
$72.2M
+5.6% YoY
-0.4% QoQ
|
-$183.6M |
$255.7M
+1.1% YoY
|
$822.6M
+7.2% YoY
|
$3.2B
+10.8% YoY
|
Bottom 8.2% in tier |
| Total Deposits ? |
$93.4M
+2.6% YoY
+6.3% QoQ
|
-$234.6M |
$328.0M
+0.1% YoY
|
$956.7M
+4.7% YoY
|
$4.8B
+8.2% YoY
|
Bottom 3.7% in tier |
| Return on Assets ? |
1.61%
-9.0% YoY
+3.2% QoQ
|
+0.34% |
1.27%
+12.9% YoY
|
1.34%
+7.6% YoY
|
1.23%
+13.4% YoY
|
73% |
| Net Interest Margin ? |
6.44%
+7.4% YoY
+2.9% QoQ
|
+2.51% |
3.93%
+6.0% YoY
|
4.25%
+2.4% YoY
|
3.89%
+5.7% YoY
|
Top 0.9% in tier |
| Efficiency Ratio ? |
68.08%
+4.6% YoY
+1.0% QoQ
|
+2.80% |
65.29%
-4.5% YoY
|
65.16%
-1.8% YoY
|
66.95%
-4.1% YoY
|
37% |
| Delinquency Rate ? |
0.27%
+94.5% YoY
-69.2% QoQ
|
-0.62% |
0.89%
+18.8% YoY
|
1.61%
+16.3% YoY
|
0.95%
+18.8% YoY
|
59% |
| Loan-to-Deposit Ratio ? |
77.29%
+2.9% YoY
-6.3% QoQ
|
+0.65% |
76.64%
+0.8% YoY
|
73.83%
+1.6% YoY
|
76.70%
+0.9% YoY
|
52% |
| Non-Interest-Bearing Deposit Share ? |
33.90%
-4.6% YoY
-5.2% QoQ
|
+11.88% |
22.02%
-1.0% YoY
|
23.68%
-1.7% YoY
|
22.01%
-1.2% YoY
|
Top 11.4% in tier |
| Nonperforming Asset Ratio ? |
0.19%
-12.0% YoY
-70.0% QoQ
|
-0.45% |
0.64%
+19.7% YoY
|
1.12%
+15.3% YoY
|
0.67%
+19.3% YoY
|
61% |
| Tier 1 Capital Ratio ? |
14.64%
-10.7% YoY
+2.1% QoQ
|
-1.19% |
15.83%
+1.5% YoY
|
14.36%
-1.8% YoY
|
17.06%
+0.8% YoY
|
63% |
| Non-Interest Income / Assets ? |
0.21%
-25.5% YoY
-74.9% QoQ
|
-0.07% |
0.28%
+9.3% YoY
|
0.15%
-5.6% YoY
|
0.32%
+4.1% YoY
|
Top 12.1% in tier |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (2)
Deposit Franchise
growthTop-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (3)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.