BlastPoint's Banking Scorecard

First National Bank of Oklahoma

$100M-$1B Specialty: Commercial OK FDIC cert 4211

Oklahoma City, OK

4 branches across OK

2664 banks in the $100M-$1B peer group nationally 107 in OK

First National Bank of Oklahoma has 4 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

+ Profitability Leader: Top 32.6% in tier
+ Net Interest Margin 0.44% above tier average
+ Efficiency Ratio 19.07% below tier average
+ Delinquency Rate 0.37% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 15.1% in tier

Get updates when First National Bank of Oklahoma releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Total Assets ?	$910.0M +4.6% YoY -0.3% QoQ	+$523.9M	$386.1M +0.5% YoY	$1.2B +6.7% YoY	$6.2B +9.1% YoY	Top 3.3% in tier
Total Loans ?	$712.8M +3.4% YoY +0.0% QoQ	+$457.1M	$255.7M +1.1% YoY	$822.6M +7.2% YoY	$3.2B +10.8% YoY	Top 2.1% in tier
Total Deposits ?	$784.8M +3.7% YoY -0.9% QoQ	+$456.8M	$328.0M +0.1% YoY	$956.7M +4.7% YoY	$4.8B +8.2% YoY	Top 3.1% in tier
Return on Assets ?	2.27% +12.8% YoY +6.5% QoQ	+1.01%	1.27% +12.9% YoY	1.34% +7.6% YoY	1.23% +13.4% YoY	Top 7.5% in tier
Net Interest Margin ?	4.37% +6.9% YoY +0.5% QoQ	+0.44%	3.93% +6.0% YoY	4.25% +2.4% YoY	3.89% +5.7% YoY	77%
Efficiency Ratio ?	46.21% -2.7% YoY -2.6% QoQ	-19.07%	65.29% -4.5% YoY	65.16% -1.8% YoY	66.95% -4.1% YoY	Top 10.2% in tier
Delinquency Rate ?	0.51% -62.3% YoY -53.7% QoQ	-0.37%	0.89% +18.8% YoY	1.61% +16.3% YoY	0.95% +18.8% YoY	45%
Loan-to-Deposit Ratio ?	90.83% -0.2% YoY +0.9% QoQ	+14.19%	76.64% +0.8% YoY	73.83% +1.6% YoY	76.70% +0.9% YoY	23%
Non-Interest-Bearing Deposit Share ?	18.46% -0.6% YoY +1.5% QoQ	-3.56%	22.02% -1.0% YoY	23.68% -1.7% YoY	22.01% -1.2% YoY	38%
Nonperforming Asset Ratio ?	0.83% -22.6% YoY -3.6% QoQ	+0.20%	0.64% +19.7% YoY	1.12% +15.3% YoY	0.67% +19.3% YoY	25%
Tier 1 Capital Ratio ?	13.86% +5.9% YoY +5.5% QoQ	-1.97%	15.83% +1.5% YoY	14.36% -1.8% YoY	17.06% +0.8% YoY	55%
Non-Interest Income / Assets ?	0.05% -0.4% YoY -86.3% QoQ	-0.23%	0.28% +9.3% YoY	0.15% -5.6% YoY	0.32% +4.1% YoY	19%

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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 (1)

Profitability Leader

growth

#218 of 666 • Top 32.6% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.27%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Concerns (1)

Liquidity Strain

risk

#98 of 643 • Bottom 15.1% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 90.83%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ

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 2664 peers in $100M-$1B

Top Strengths (6 metrics)

Total Loans

size

Value: $712.81M

Peer Median: $255.72M

#58 of 2664 Top 2.1% in $100M-$1B

Total Deposits

size

Value: $784.76M

Peer Median: $327.97M

#84 of 2664 Top 3.1% in $100M-$1B

Total Assets

size

Value: $909.96M

Peer Median: $386.08M

#89 of 2664 Top 3.3% in $100M-$1B

202

Return on Assets

profitability

Value: 2.27%

Peer Median: 1.27%

#202 of 2664 Top 7.5% in $100M-$1B

273

Efficiency Ratio

profitability

Value: 46.21%

Peer Median: 65.29%

#273 of 2664 Top 10.2% in $100M-$1B

622

Net Interest Margin

profitability

Value: 4.37%

Peer Median: 3.93%

#622 of 2664 Top 23.3% in $100M-$1B

Top Weaknesses (3 metrics)

2162

Non-Interest Income / Assets

revenue_mix

Value: 0.05%

Peer Median: 0.28%

#2162 of 2664 Bottom 18.9% in $100M-$1B

2059

Loan-to-Deposit Ratio

liquidity

Value: 90.83%

Peer Median: 76.64%

#2059 of 2664 Bottom 22.7% in $100M-$1B

2010

Nonperforming Asset Ratio

credit_quality

Value: 0.83%

Peer Median: 0.64%

#2010 of 2664 Bottom 24.6% in $100M-$1B