BlastPoint's Banking Scorecard
First State Bank in Temple
Designations: ✓ Community bank
Temple, OK
First State Bank in Temple has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.11% above tier average
- + Net Interest Margin 0.12% above tier average
- + Efficiency Ratio 17.94% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 5.09% above tier average
- - Nonperforming Asset Ratio 2.43% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$26.7M
+10.1% YoY
+4.1% QoQ
|
-$35.4M |
$62.2M
-0.6% YoY
|
$1.2B
+6.7% YoY
|
$6.2B
+9.1% YoY
|
Bottom 9.6% in tier |
| Total Loans ? |
$13.3M
+31.4% YoY
+10.7% QoQ
|
-$20.9M |
$34.2M
-1.4% YoY
|
$822.6M
+7.2% YoY
|
$3.2B
+10.8% YoY
|
16% |
| Total Deposits ? |
$19.7M
+5.7% YoY
+2.4% QoQ
|
-$32.0M |
$51.7M
-0.7% YoY
|
$956.7M
+4.7% YoY
|
$4.8B
+8.2% YoY
|
Bottom 8.7% in tier |
| Return on Assets ? |
0.95%
+32.1% YoY
+51.7% QoQ
|
+0.11% |
0.84%
-2.3% YoY
|
1.34%
+7.6% YoY
|
1.23%
+13.4% YoY
|
50% |
| Net Interest Margin ? |
3.98%
+11.4% YoY
+12.7% QoQ
|
+0.12% |
3.86%
+2.8% YoY
|
4.25%
+2.4% YoY
|
3.89%
+5.7% YoY
|
58% |
| Efficiency Ratio ? |
70.40%
-8.9% YoY
-13.7% QoQ
|
-17.94% |
88.34%
+0.3% YoY
|
65.16%
-1.8% YoY
|
66.95%
-4.1% YoY
|
52% |
| Delinquency Rate ? |
6.46%
-10.0% QoQ
|
+5.09% |
1.37%
+33.8% YoY
|
1.61%
+16.3% YoY
|
0.95%
+18.8% YoY
|
Bottom 3.8% in tier |
| Loan-to-Deposit Ratio ? |
67.48%
+24.3% YoY
+8.1% QoQ
|
+3.27% |
64.22%
-0.7% YoY
|
73.83%
+1.6% YoY
|
76.70%
+0.9% YoY
|
48% |
| Non-Interest-Bearing Deposit Share ? |
27.31%
+6.9% YoY
+2.1% QoQ
|
+3.60% |
23.71%
+0.3% YoY
|
23.68%
-1.7% YoY
|
22.01%
-1.2% YoY
|
65% |
| Nonperforming Asset Ratio ? |
3.22%
-4.3% QoQ
|
+2.43% |
0.79%
+28.2% YoY
|
1.12%
+15.3% YoY
|
0.67%
+19.3% YoY
|
Bottom 4.8% in tier |
| Tier 1 Capital Ratio ? |
21.98%
-4.8% YoY
-2.2% QoQ
|
-4.70% |
26.68%
+2.0% YoY
|
14.36%
-1.8% YoY
|
17.06%
+0.8% YoY
|
74% |
| Non-Interest Income / Assets ? |
0.02%
-35.1% YoY
-84.0% QoQ
|
-0.65% |
0.67%
+1.9% YoY
|
0.15%
-5.6% YoY
|
0.32%
+4.1% YoY
|
Bottom 12.6% in tier |
Get Full Access to First State Bank in Temple
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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.