BlastPoint

BlastPoint's Banking Scorecard

FirstOak Bank

$100M-$1B Specialty: Commercial KS FDIC cert 4660

Independence, KS

4 branches across KS · CO

2664 banks in the $100M-$1B peer group nationally 118 in KS
View $100M-$1B leaderboard (KS) →

FirstOak Bank has 4 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

  • + Deposit Franchise: Top 45.2% in tier
  • + Credit Quality Leader: Top 49.1% in tier
  • + Nonperforming Asset Ratio 0.64% below tier average
  • + ROA 0.13% above tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 15.8% in tier
  • - Margin Compression: Bottom 23.3% in tier
  • - Cost Spiral: Bottom 92.1% in tier
Get updates when FirstOak Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Total Assets ? $245.3M
+1.3% YoY +1.8% QoQ
-$140.8M $386.1M
+0.5% YoY
$509.2M
+7.2% YoY
$6.2B
+9.1% YoY
36%
Total Loans ? $187.4M
-3.2% YoY -0.0% QoQ
-$68.3M $255.7M
+1.1% YoY
$338.5M
+8.8% YoY
$3.2B
+10.8% YoY
46%
Total Deposits ? $217.2M
+1.6% YoY +1.9% QoQ
-$110.8M $328.0M
+0.1% YoY
$424.4M
+7.3% YoY
$4.8B
+8.2% YoY
38%
Return on Assets ? 1.39%
-21.4% YoY -22.1% QoQ
+0.13% 1.27%
+12.9% YoY
1.40%
+19.8% YoY
1.23%
+13.4% YoY
62%
Net Interest Margin ? 5.22%
+4.7% YoY -0.2% QoQ
+1.29% 3.93%
+6.0% YoY
3.92%
+4.5% YoY
3.89%
+5.7% YoY
Top 4.9% in tier
Efficiency Ratio ? 70.08%
+14.9% YoY +11.5% QoQ
+4.79% 65.29%
-4.5% YoY
62.29%
-5.0% YoY
66.95%
-4.1% YoY
32%
Delinquency Rate ? 0.00% -0.89% 0.89%
+18.8% YoY
0.77%
+10.4% YoY
0.95%
+18.8% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 86.31%
-4.8% YoY -1.9% QoQ
+9.67% 76.64%
+0.8% YoY
71.79%
+1.2% YoY
76.70%
+0.9% YoY
32%
Non-Interest-Bearing Deposit Share ? 30.39%
-5.8% YoY -13.2% QoQ
+8.37% 22.02%
-1.0% YoY
22.83%
-2.0% YoY
22.01%
-1.2% YoY
83%
Nonperforming Asset Ratio ? 0.00% -0.64% 0.64%
+19.7% YoY
0.51%
+12.5% YoY
0.67%
+19.3% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 10.12%
+0.6% YoY -0.1% QoQ
-5.71% 15.83%
+1.5% YoY
17.98%
-0.9% YoY
17.06%
+0.8% YoY
Bottom 11.0% in tier
Non-Interest Income / Assets ? 0.06%
-19.7% YoY -81.4% QoQ
-0.22% 0.28%
+9.3% YoY
0.28%
-1.8% YoY
0.32%
+4.1% YoY
26%

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 (2)

Deposit Franchise

growth
#124 of 272 • Top 45.2% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature
Noninterest-Bearing Deposit Share: 30.39%
(Tier: 22.02%, National: 22.01%)
better than tier avg
Net Interest Margin: 5.22%
(Tier: 3.93%, National: 3.89%)
better than tier avg
272 of 272 Community banks match · 369 nationally
→ Stable -14 banks QoQ | QoQ rank declining

Credit Quality Leader

growth
#327 of 664 • Top 49.1% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.00%
(Tier: 0.89%, National: 0.95%)
better than tier avg
664 of 664 Community banks match · 922 nationally
→ Stable +2 banks QoQ | QoQ rank improving

Concerns (3)

Capital Thin

risk
#106 of 666 • Bottom 15.8% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 10.12%
(Tier: 15.83%, National: 17.06%)
worse than tier avg
666 of 666 Community banks match · 926 nationally
→ Stable +3 banks QoQ | QoQ rank declining

Margin Compression

decline
#72 of 305 • Bottom 23.3% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 1.39%
(Tier: 1.27%, National: 1.23%)
better than tier avg
305 of 305 Community banks match · 407 nationally
↑ Growing +94 banks QoQ

Cost Spiral

risk
#117 of 126 • Bottom 92.1% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature
Efficiency Ratio: 70.08%
(Tier: 65.29%, National: 66.95%)
worse than tier avg
126 of 126 Community banks match · 176 nationally
↑ Growing +82 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).
Comparing against 2664 peers in $100M-$1B

Top Strengths (4 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.89%
#1 of 2654 Top 0.1% in $100M-$1B
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.64%
#1 of 2664 Top 0.1% in $100M-$1B
132
Net Interest Margin
profitability
Value: 5.22%
Peer Median: 3.93%
#132 of 2664 Top 4.9% in $100M-$1B
460
Non-Interest-Bearing Deposit Share
funding
Value: 30.39%
Peer Median: 22.02%
#460 of 2664 Top 17.2% in $100M-$1B

Top Weaknesses (1 metrics)

2372
Tier 1 Capital Ratio
capital
Value: 10.12%
Peer Median: 15.83%
#2372 of 2664 Bottom 11.0% in $100M-$1B
Powered by BlastPoint © 2026