BlastPoint's Banking Scorecard
First State Bank in Temple
Designations: ✓ Community bank
Temple, 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 -1.0% year over year ($21.5M on the books).
- Delinquency rate 8.83%.
- Return on assets 1.06%.
- Efficiency ratio 68.74% vs a 119.40% peer average.
- Loan-to-deposit ratio 45.18% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First State Bank in Temple has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.06% above tier average
- + Efficiency Ratio 50.66% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 7.35% above tier average
- - Nonperforming Asset Ratio 2.43% above tier average
- - Net Interest Margin 0.11% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$26.4M
+1.0% YoY
-1.4% QoQ
|
-$36.1M |
$62.4M
-0.0% YoY
|
$1.3B
+6.0% YoY
|
$6.3B
+7.7% YoY
|
Bottom 9.0% in tier |
| Total Loans ? |
$9.7M
+39.9% YoY
-26.9% QoQ
|
-$25.2M |
$34.9M
-0.6% YoY
|
$835.5M
+7.1% YoY
|
$3.2B
+9.4% YoY
|
Bottom 10.8% in tier |
| Total Deposits ? |
$21.5M
-1.0% YoY
+9.2% QoQ
|
-$30.1M |
$51.6M
-0.2% YoY
|
$967.8M
+5.8% YoY
|
$4.9B
+7.3% YoY
|
Bottom 11.8% in tier |
| Return on Assets ? |
1.06%
+29.5% YoY
+11.9% QoQ
|
+0.06% |
1.00%
+3.5% YoY
|
1.35%
+7.7% YoY
|
1.30%
+12.1% YoY
|
54% |
| Net Interest Margin ? |
3.80%
+8.3% YoY
-4.6% QoQ
|
-0.11% |
3.91%
+2.3% YoY
|
4.27%
+1.9% YoY
|
3.95%
+4.9% YoY
|
46% |
| Efficiency Ratio ? |
68.74%
-6.9% YoY
-2.4% QoQ
|
-50.66% |
119.40%
+49.6% YoY
|
64.81%
-3.0% YoY
|
70.05%
+2.5% YoY
|
55% |
| Delinquency Rate ? |
8.83%
+36.8% QoQ
|
+7.35% |
1.48%
+31.8% YoY
|
1.78%
+23.7% YoY
|
0.98%
+16.3% YoY
|
Bottom 2.5% in tier |
| Loan-to-Deposit Ratio ? |
45.18%
+41.3% YoY
-33.1% QoQ
|
-29.03% |
74.21%
+12.6% YoY
|
74.14%
+1.3% YoY
|
79.03%
+2.3% YoY
|
75% |
| Non-Interest-Bearing Deposit Share ? |
28.59%
-1.2% YoY
+4.7% QoQ
|
+5.10% |
23.49%
+0.6% YoY
|
23.91%
-1.8% YoY
|
21.98%
-0.6% YoY
|
70% |
| Nonperforming Asset Ratio ? |
3.26%
+1.4% QoQ
|
+2.43% |
0.84%
+23.0% YoY
|
1.24%
+23.1% YoY
|
0.69%
+15.8% YoY
|
Bottom 4.5% in tier |
| Tier 1 Capital Ratio ? |
22.19%
-2.2% YoY
+1.0% QoQ
|
-4.94% |
27.13%
+3.0% YoY
|
14.18%
-3.9% YoY
|
17.09%
+0.8% YoY
|
75% |
| Non-Interest Income / Assets ? |
0.05%
-8.1% YoY
+163.6% QoQ
|
-1.33% |
1.38%
+6.3% YoY
|
0.31%
-11.7% YoY
|
0.66%
+5.2% YoY
|
17% |
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 |
28.6%
-0.3pp YoY +1.3pp QoQ |
+4.0pp | 24.6% | 23.9% | 22.2% | 68% |
| 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 |
4.4%
-2.8pp YoY +1.1pp QoQ |
-9.0pp | 13.4% | 15.7% | 12.5% | 17% |
| CRE | n/a | n/a | 25.2% | 42.0% | 41.4% | n/a |
| 1-4 Family |
2.3%
-1.5pp YoY +0.6pp QoQ |
-32.7pp | 35.0% | 24.0% | 31.3% | 9% |
| Consumer |
5.9%
-1.3pp YoY +1.9pp QoQ |
-1.7pp | 7.7% | 5.6% | 5.0% | 56% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 17.0% | 19.7% | n/a |
| Leverage Ratio |
22.2%
-0.5pp YoY +0.2pp QoQ |
+4.5pp | 17.7% | 11.7% | 12.6% | 89% |
| Total Capital Ratio | n/a | n/a | 39.7% | 18.2% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
8
0 YoY 0 QoQ |
-4 | 12 | 150 | 482 | 29% |
| Assets per Employee ($) |
$3.3M
+1.0% YoY -1.4% QoQ |
-$2.9M | $6.2M | $6.5M | $8.8M | 10% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 8 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.9% | 0.4% | n/a |
| Nonaccrual |
8.8%
+8.7pp YoY +2.4pp QoQ |
+7.1pp | 1.7% | 1.5% | 1.0% | 98% |
| Allowance Coverage |
0.30x
-99.3% YoY 0.0% QoQ |
-6.11x | 6.41x | 61.99x | 20.23x | 8% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.2% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
5.9%
+1.1pp YoY +0.6pp QoQ |
-0.5pp | 6.4% | 11.9% | 11.6% | 37% |
| Cost of Funds (YTD) |
1.7%
0.0pp YoY 0.0pp QoQ |
+0.2pp | 1.4% | 1.8% | 1.7% | 66% |
| Net Income ($, YTD) |
$139,000
+37.6% YoY — QoQ |
-$179K | $317,817 | $8.7M | $40.4M | 28% |
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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.