BlastPoint's Banking Scorecard
First Bank of Thomas
Designations: ✓ Community bank
Thomas, OK
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 536 banks in the under $100M peer group nationwide — 1 of 39 in OK.
- Deposits +17.7% year over year ($55.7M on the books).
- Delinquency rate 2.33%.
- Return on assets 1.18%.
- Efficiency ratio 65.67% vs a 119.40% peer average.
- Loan-to-deposit ratio 49.33% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First Bank of Thomas has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.19% above tier average
- + Efficiency Ratio 53.72% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.64% below tier average
- - Delinquency Rate 0.85% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$63.2M
+15.5% YoY
+8.3% QoQ
|
+$755K |
$62.4M
-0.0% YoY
|
$1.3B
+6.0% YoY
|
$6.3B
+7.7% YoY
|
48% |
| Total Loans ? |
$27.5M
+6.6% YoY
-4.9% QoQ
|
-$7.4M |
$34.9M
-0.6% YoY
|
$835.5M
+7.1% YoY
|
$3.2B
+9.4% YoY
|
39% |
| Total Deposits ? |
$55.7M
+17.7% YoY
+9.1% QoQ
|
+$4.0M |
$51.6M
-0.2% YoY
|
$967.8M
+5.8% YoY
|
$4.9B
+7.3% YoY
|
53% |
| Return on Assets ? |
1.18%
-8.5% YoY
-1.1% QoQ
|
+0.19% |
1.00%
+3.5% YoY
|
1.35%
+7.7% YoY
|
1.30%
+12.1% YoY
|
61% |
| Net Interest Margin ? |
3.27%
-8.7% YoY
-2.3% QoQ
|
-0.64% |
3.91%
+2.3% YoY
|
4.27%
+1.9% YoY
|
3.95%
+4.9% YoY
|
21% |
| Efficiency Ratio ? |
65.67%
+3.6% YoY
-0.4% QoQ
|
-53.72% |
119.40%
+49.6% YoY
|
64.81%
-3.0% YoY
|
70.05%
+2.5% YoY
|
62% |
| Delinquency Rate ? |
2.33%
+56.8% YoY
+4.6% QoQ
|
+0.85% |
1.48%
+31.8% YoY
|
1.78%
+23.7% YoY
|
0.98%
+16.3% YoY
|
17% |
| Loan-to-Deposit Ratio ? |
49.33%
-9.5% YoY
-12.8% QoQ
|
-24.88% |
74.21%
+12.6% YoY
|
74.14%
+1.3% YoY
|
79.03%
+2.3% YoY
|
71% |
| Non-Interest-Bearing Deposit Share ? |
16.48%
-25.6% YoY
-18.7% QoQ
|
-7.01% |
23.49%
+0.6% YoY
|
23.91%
-1.8% YoY
|
21.98%
-0.6% YoY
|
28% |
| Nonperforming Asset Ratio ? |
1.01%
+44.7% YoY
-8.1% QoQ
|
+0.18% |
0.84%
+23.0% YoY
|
1.24%
+23.1% YoY
|
0.69%
+15.8% YoY
|
24% |
| Tier 1 Capital Ratio ? |
28.64%
-6.1% YoY
+7.6% QoQ
|
+1.51% |
27.13%
+3.0% YoY
|
14.18%
-3.9% YoY
|
17.09%
+0.8% YoY
|
84% |
| Non-Interest Income / Assets ? |
0.13%
-20.5% YoY
+97.2% QoQ
|
-1.26% |
1.38%
+6.3% YoY
|
0.31%
-11.7% YoY
|
0.66%
+5.2% YoY
|
50% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
16.5%
-5.7pp YoY -3.8pp QoQ |
-8.2pp | 24.6% | 23.9% | 22.2% | 24% |
| Brokered Deposits | n/a | n/a | 9.8% | 9.7% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
4.5%
-0.5pp YoY 0.0pp QoQ |
-8.9pp | 13.4% | 15.7% | 12.5% | 18% |
| CRE |
52.6%
-7.5pp YoY -1.7pp QoQ |
+27.4pp | 25.2% | 42.0% | 41.4% | 92% |
| 1-4 Family |
26.9%
+4.3pp YoY +0.6pp QoQ |
-8.1pp | 35.0% | 24.0% | 31.3% | 46% |
| Consumer |
1.3%
+0.4pp YoY +0.1pp QoQ |
-6.4pp | 7.7% | 5.6% | 5.0% | 14% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
28.6%
-1.9pp YoY +2.0pp QoQ |
-10.0pp | 38.7% | 17.0% | 19.7% | 70% |
| Leverage Ratio |
12.6%
-1.9pp YoY -1.2pp QoQ |
-5.1pp | 17.7% | 11.7% | 12.6% | 48% |
| Total Capital Ratio |
29.9%
-1.9pp YoY +2.0pp QoQ |
-9.8pp | 39.7% | 18.2% | 20.8% | 70% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
7
0 YoY 0 QoQ |
-5 | 12 | 150 | 482 | 20% |
| Assets per Employee ($) |
$9.0M
+15.5% YoY +8.3% QoQ |
+$2.8M | $6.2M | $6.5M | $8.8M | 88% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 8 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.9% | 0.4% | n/a |
| Nonaccrual |
2.3%
+1.0pp YoY +0.5pp QoQ |
+0.6pp | 1.7% | 1.5% | 1.0% | 80% |
| Allowance Coverage |
0.83x
-36.6% YoY +0.5% QoQ |
-5.58x | 6.41x | 61.99x | 20.23x | 38% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.2% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
9.2%
-0.2pp YoY +0.3pp QoQ |
+2.8pp | 6.4% | 11.9% | 11.6% | 56% |
| Cost of Funds (YTD) |
2.0%
+0.1pp YoY +0.1pp QoQ |
+0.6pp | 1.4% | 1.8% | 1.7% | 82% |
| Net Income ($, YTD) |
$345,000
+1.8% YoY — QoQ |
+$27K | $317,817 | $8.7M | $40.4M | 57% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.