BlastPoint's Banking Scorecard

First National Bank of Oklahoma

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

Oklahoma City, OK

4 branches across 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 106 in OK.
Deposits +5.4% year over year ($807.0M on the books).
Delinquency rate 1.41%.
Return on assets 2.33%.
Efficiency ratio 45.41% vs a 64.48% peer average.
Loan-to-deposit ratio 91.95% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 106 in OK

View $100M-$1B leaderboard (OK) →

First National Bank of Oklahoma has 3 strengths but faces 3 concerns

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 29.8% in tier
+ Efficiency Ratio 19.07% below tier average
+ Net Interest Margin 0.39% above tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 24.5% in tier
- Liquidity Strain: Bottom 29.5% in tier
- Credit Quality Pressure: Bottom 49.4% in tier

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

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Total Assets ?	$949.9M +8.8% YoY +4.4% QoQ	+$563.3M	$386.6M +1.2% YoY	$1.3B +6.0% YoY	$6.3B +7.7% YoY	Top 1.7% in tier
Total Loans ?	$742.0M +6.4% YoY +4.1% QoQ	+$483.7M	$258.3M +1.7% YoY	$835.5M +7.1% YoY	$3.2B +9.4% YoY	Top 1.2% in tier
Total Deposits ?	$807.0M +5.4% YoY +2.8% QoQ	+$480.2M	$326.7M +0.7% YoY	$967.8M +5.8% YoY	$4.9B +7.3% YoY	Top 1.8% in tier
Return on Assets ?	2.33% +10.3% YoY +2.6% QoQ	+1.01%	1.32% +10.8% YoY	1.35% +7.7% YoY	1.30% +12.1% YoY	Top 6.7% in tier
Net Interest Margin ?	4.38% +3.2% YoY +0.1% QoQ	+0.39%	3.99% +5.0% YoY	4.27% +1.9% YoY	3.95% +4.9% YoY	74%
Efficiency Ratio ?	45.41% -1.4% YoY -1.7% QoQ	-19.07%	64.48% -3.2% YoY	64.81% -3.0% YoY	70.05% +2.5% YoY	Top 9.5% in tier
Delinquency Rate ?	1.41% +6.2% YoY +173.8% QoQ	+0.49%	0.92% +15.7% YoY	1.78% +23.7% YoY	0.98% +16.3% YoY	20%
Loan-to-Deposit Ratio ?	91.95% +1.0% YoY +1.2% QoQ	+14.00%	77.95% +1.0% YoY	74.14% +1.3% YoY	79.03% +2.3% YoY	22%
Non-Interest-Bearing Deposit Share ?	17.87% +0.6% YoY -3.2% QoQ	-4.16%	22.03% -0.6% YoY	23.91% -1.8% YoY	21.98% -0.6% YoY	36%
Nonperforming Asset Ratio ?	1.34% +27.3% YoY +61.2% QoQ	+0.68%	0.67% +16.4% YoY	1.24% +23.1% YoY	0.69% +15.8% YoY	Bottom 14.2% in tier
Tier 1 Capital Ratio ?	13.23% +3.9% YoY -4.6% QoQ	-2.68%	15.91% +1.4% YoY	14.18% -3.9% YoY	17.09% +0.8% YoY	50%
Non-Interest Income / Assets ?	0.11% -36.5% YoY +124.8% QoQ	-0.45%	0.57% +7.6% YoY	0.31% -11.7% YoY	0.66% +5.2% YoY	22%

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	17.9% +0.1pp YoY -0.6pp QoQ	-4.3pp	22.1%	23.9%	22.2%	35%
Brokered Deposits	15.9% -2.6pp YoY -0.3pp QoQ	+8.1pp	7.9%	9.7%	8.5%	86%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
C&I	9.7% -0.5pp YoY -0.3pp QoQ	-1.9pp	11.6%	15.7%	12.5%	50%
CRE	56.7% -0.5pp YoY +0.6pp QoQ	+17.2pp	39.5%	42.0%	41.4%	81%
1-4 Family	24.2% +0.3pp YoY -0.2pp QoQ	-8.5pp	32.6%	24.0%	31.3%	39%
Consumer	1.2% +0.1pp YoY 0.0pp QoQ	-2.9pp	4.1%	5.6%	5.0%	33%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
CET1 Ratio	13.2% +0.5pp YoY -0.6pp QoQ	-5.6pp	18.8%	17.0%	19.7%	31%
Leverage Ratio	10.5% +0.5pp YoY -0.5pp QoQ	-1.7pp	12.2%	11.7%	12.6%	40%
Total Capital Ratio	14.5% +0.5pp YoY -0.6pp QoQ	-5.5pp	19.9%	18.2%	20.8%	32%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Full-Time Employees	76 +9 (+13.4%) YoY +1 (+1.3%) QoQ	+17	58	150	482	75%
Assets per Employee ($)	$12.5M -4.1% YoY +3.0% QoQ	+$5.0M	$7.5M	$6.5M	$8.8M	94%
Branch Count	4 0 YoY 0 QoQ	-1	4	8	18	42%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY	-0.3pp	0.3%	0.9%	0.4%	34%
Nonaccrual	1.4% +0.1pp YoY +0.9pp QoQ	+0.4pp	0.9%	1.5%	1.0%	80%
Allowance Coverage	0.91x -9.2% YoY -65.3% QoQ	-23.24x	24.15x	61.99x	20.23x	24%
Net Charge-off Rate (YTD)	0.1% +0.1pp YoY +0.1pp QoQ	-0.1pp	0.1%	0.2%	0.2%	71%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
ROE	22.8% +0.9pp YoY +0.8pp QoQ	+10.6pp	12.2%	11.9%	11.6%	94%
Cost of Funds (YTD)	2.5% -0.3pp YoY 0.0pp QoQ	+0.8pp	1.7%	1.8%	1.7%	90%
Net Income ($, YTD)	$10.8M +18.9% YoY — QoQ	+$8.2M	$2.6M	$8.7M	$40.4M	99%

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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

#198 of 661 • Top 29.8% in tier

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

Why this signature

Return on Assets: 2.33%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

Concerns (3)

Credit Risk Growth

risk

#230 of 936 • Bottom 24.5% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally

→ Stable -58 banks QoQ

Liquidity Strain

risk

#205 of 691 • Bottom 29.5% 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: 91.95%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

691 of 691 Community banks match · 1092 nationally

→ Stable +81 banks QoQ | QoQ rank declining

Credit Quality Pressure

risk

#622 of 1256 • Bottom 49.4% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 1.41%

(Tier: 0.92%, National: 0.98%)

worse than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 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 2643 peers in $100M-$1B

Top Strengths (5 metrics)

Total Loans

size

Value: $742.00M

Peer Median: $258.35M

#33 of 2643 Top 1.2% in $100M-$1B

Total Assets

size

Value: $949.87M

Peer Median: $386.57M

#45 of 2643 Top 1.7% in $100M-$1B

Total Deposits

size

Value: $806.95M

Peer Median: $326.73M

#48 of 2643 Top 1.8% in $100M-$1B

177

Return on Assets

profitability

Value: 2.33%

Peer Median: 1.32%

#177 of 2643 Top 6.7% in $100M-$1B

253

Efficiency Ratio

profitability

Value: 45.41%

Peer Median: 64.48%

#253 of 2643 Top 9.5% in $100M-$1B

Top Weaknesses (4 metrics)

2268

Nonperforming Asset Ratio

credit_quality

Value: 1.34%

Peer Median: 0.67%

#2268 of 2643 Bottom 14.2% in $100M-$1B

2115

Delinquency Rate

credit_quality

Value: 1.41%

Peer Median: 0.92%

#2115 of 2633 Bottom 19.7% in $100M-$1B

2054

Non-Interest Income / Assets

revenue_mix

Value: 0.11%

Peer Median: 0.57%

#2054 of 2643 Bottom 22.3% in $100M-$1B

2054

Loan-to-Deposit Ratio

liquidity

Value: 91.95%

Peer Median: 77.95%

#2054 of 2643 Bottom 22.3% in $100M-$1B