BlastPoint's Banking Scorecard
The First National Bank and Trust Company of Miami
Miami, OK
3 branches across OK
The First National Bank and Trust Company of Miami has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 9.9% in tier
- + ROA 0.80% above tier average
- + Efficiency Ratio 16.22% below tier average
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 8.1% in tier
- - Margin Compression: Bottom 63.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$206.4M
-0.5% YoY
-0.3% QoQ
|
-$179.7M |
$386.1M
+0.5% YoY
|
$1.2B
+6.7% YoY
|
$6.2B
+9.1% YoY
|
28% |
| Total Loans ? |
$137.0M
+18.6% YoY
+6.1% QoQ
|
-$118.7M |
$255.7M
+1.1% YoY
|
$822.6M
+7.2% YoY
|
$3.2B
+10.8% YoY
|
31% |
| Total Deposits ? |
$178.0M
-1.0% YoY
-0.9% QoQ
|
-$150.0M |
$328.0M
+0.1% YoY
|
$956.7M
+4.7% YoY
|
$4.8B
+8.2% YoY
|
29% |
| Return on Assets ? |
2.07%
-14.6% YoY
+100.5% QoQ
|
+0.80% |
1.27%
+12.9% YoY
|
1.34%
+7.6% YoY
|
1.23%
+13.4% YoY
|
Top 11.1% in tier |
| Net Interest Margin ? |
5.46%
-11.7% YoY
-7.7% QoQ
|
+1.53% |
3.93%
+6.0% YoY
|
4.25%
+2.4% YoY
|
3.89%
+5.7% YoY
|
Top 3.3% in tier |
| Efficiency Ratio ? |
49.07%
+7.2% YoY
-37.4% QoQ
|
-16.22% |
65.29%
-4.5% YoY
|
65.16%
-1.8% YoY
|
66.95%
-4.1% YoY
|
Top 14.4% in tier |
| Delinquency Rate ? |
0.84%
+4.6% QoQ
|
-0.05% |
0.89%
+18.8% YoY
|
1.61%
+16.3% YoY
|
0.95%
+18.8% YoY
|
32% |
| Loan-to-Deposit Ratio ? |
76.95%
+19.8% YoY
+7.0% QoQ
|
+0.32% |
76.64%
+0.8% YoY
|
73.83%
+1.6% YoY
|
76.70%
+0.9% YoY
|
53% |
| Non-Interest-Bearing Deposit Share ? |
39.02%
-17.2% YoY
-12.5% QoQ
|
+17.00% |
22.02%
-1.0% YoY
|
23.68%
-1.7% YoY
|
22.01%
-1.2% YoY
|
Top 5.6% in tier |
| Nonperforming Asset Ratio ? |
0.56%
+11.4% QoQ
|
-0.08% |
0.64%
+19.7% YoY
|
1.12%
+15.3% YoY
|
0.67%
+19.3% YoY
|
35% |
| Tier 1 Capital Ratio ? |
12.59%
+1.5% YoY
+1.6% QoQ
|
-3.24% |
15.83%
+1.5% YoY
|
14.36%
-1.8% YoY
|
17.06%
+0.8% YoY
|
42% |
| Non-Interest Income / Assets ? |
0.12%
-0.3% YoY
-75.5% QoQ
|
-0.16% |
0.28%
+9.3% YoY
|
0.15%
-5.6% YoY
|
0.32%
+4.1% YoY
|
65% |
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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 (1)
Deposit Franchise
growthTop-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Concerns (2)
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
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.