BlastPoint's Banking Scorecard

The First National Bank of Hooker

under $100M Specialty: Agricultural OK FDIC cert 4123

Designations: ✓ Community bank

Hooker, OK

541 banks in the under $100M peer group nationally 38 in OK

The First National Bank of Hooker has 3 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ ROA 0.57% above tier average
+ Net Interest Margin 0.54% above tier average
+ Efficiency Ratio 25.15% below tier average

Key Concerns

Areas that may need attention

- Delinquency Rate 1.26% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Total Assets ?	$92.4M +1.3% YoY +3.3% QoQ	+$30.3M	$62.2M -0.6% YoY	$1.2B +6.7% YoY	$6.2B +9.1% YoY	Top 9.4% in tier
Total Loans ?	$53.8M -1.8% YoY -5.0% QoQ	+$19.6M	$34.2M -1.4% YoY	$822.6M +7.2% YoY	$3.2B +10.8% YoY	82%
Total Deposits ?	$77.5M -0.2% YoY +4.9% QoQ	+$25.8M	$51.7M -0.7% YoY	$956.7M +4.7% YoY	$4.8B +8.2% YoY	Top 13.3% in tier
Return on Assets ?	1.41% +2.6% YoY +10.2% QoQ	+0.57%	0.84% -2.3% YoY	1.34% +7.6% YoY	1.23% +13.4% YoY	74%
Net Interest Margin ?	4.40% +0.3% YoY +1.7% QoQ	+0.54%	3.86% +2.8% YoY	4.25% +2.4% YoY	3.89% +5.7% YoY	72%
Efficiency Ratio ?	63.20% +13.8% YoY +3.1% QoQ	-25.15%	88.34% +0.3% YoY	65.16% -1.8% YoY	66.95% -4.1% YoY	69%
Delinquency Rate ?	2.63% +35.3% YoY +11.3% QoQ	+1.26%	1.37% +33.8% YoY	1.61% +16.3% YoY	0.95% +18.8% YoY	15%
Loan-to-Deposit Ratio ?	69.44% -1.6% YoY -9.5% QoQ	+5.23%	64.22% -0.7% YoY	73.83% +1.6% YoY	76.70% +0.9% YoY	43%
Non-Interest-Bearing Deposit Share ?	25.33% -7.7% YoY +1.8% QoQ	+1.61%	23.71% +0.3% YoY	23.68% -1.7% YoY	22.01% -1.2% YoY	57%
Nonperforming Asset Ratio ?	1.80% +4.4% YoY -0.2% QoQ	+1.02%	0.79% +28.2% YoY	1.12% +15.3% YoY	0.67% +19.3% YoY	Bottom 12.8% in tier
Tier 1 Capital Ratio ?	25.83% +10.8% YoY +7.9% QoQ	-0.85%	26.68% +2.0% YoY	14.36% -1.8% YoY	17.06% +0.8% YoY	80%
Non-Interest Income / Assets ?	0.14% -52.5% YoY -85.6% QoQ	-0.53%	0.67% +1.9% YoY	0.15% -5.6% YoY	0.32% +4.1% YoY	81%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 541 peers in under $100M

Top Strengths (5 metrics)

Total Assets

size

Value: $92.42M

Peer Median: $62.16M

#52 of 541 Top 9.4% in under $100M

Total Deposits

size

Value: $77.52M

Peer Median: $51.74M

#73 of 541 Top 13.3% in under $100M

101

Total Loans

size

Value: $53.83M

Peer Median: $34.25M

#101 of 541 Top 18.5% in under $100M

105

Non-Interest Income / Assets

revenue_mix

Value: 0.14%

Peer Median: 0.67%

#105 of 541 Top 19.2% in under $100M

108

Tier 1 Capital Ratio

capital

Value: 25.83%

Peer Median: 26.68%

#108 of 541 Top 19.8% in under $100M

Top Weaknesses (2 metrics)

473

Nonperforming Asset Ratio

credit_quality

Value: 1.80%

Peer Median: 0.79%

#473 of 541 Bottom 12.8% in under $100M

442

Delinquency Rate

credit_quality

Value: 2.63%

Peer Median: 1.37%

#442 of 521 Bottom 15.4% in under $100M