BlastPoint's Banking Scorecard
First State Bank
Designations: ✓ Community bank ✓ CDFI-certified
Noble, 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 -0.5% year over year ($56.8M on the books).
- Delinquency rate 0.77%.
- Return on assets 0.64%.
- Efficiency ratio 80.95% vs a 119.40% peer average.
- Loan-to-deposit ratio 30.29% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First State Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 18.61% above tier average
- + Efficiency Ratio 38.45% below tier average
- + Delinquency Rate 0.71% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.36% below tier average
- - Net Interest Margin 0.22% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$61.5M
+0.1% YoY
+22.3% QoQ
|
-$968K |
$62.4M
-0.0% YoY
|
$1.3B
+6.0% YoY
|
$6.3B
+7.7% YoY
|
47% |
| Total Loans ? |
$17.2M
+0.4% YoY
-0.5% QoQ
|
-$17.7M |
$34.9M
-0.6% YoY
|
$835.5M
+7.1% YoY
|
$3.2B
+9.4% YoY
|
23% |
| Total Deposits ? |
$56.8M
-0.5% YoY
+24.7% QoQ
|
+$5.2M |
$51.6M
-0.2% YoY
|
$967.8M
+5.8% YoY
|
$4.9B
+7.3% YoY
|
54% |
| Return on Assets ? |
0.64%
-4.3% YoY
+74.7% QoQ
|
-0.36% |
1.00%
+3.5% YoY
|
1.35%
+7.7% YoY
|
1.30%
+12.1% YoY
|
32% |
| Net Interest Margin ? |
3.69%
-9.5% YoY
-0.2% QoQ
|
-0.22% |
3.91%
+2.3% YoY
|
4.27%
+1.9% YoY
|
3.95%
+4.9% YoY
|
38% |
| Efficiency Ratio ? |
80.95%
-3.2% YoY
-7.7% QoQ
|
-38.45% |
119.40%
+49.6% YoY
|
64.81%
-3.0% YoY
|
70.05%
+2.5% YoY
|
29% |
| Delinquency Rate ? |
0.77%
+11.3% YoY
-3.2% QoQ
|
-0.71% |
1.48%
+31.8% YoY
|
1.78%
+23.7% YoY
|
0.98%
+16.3% YoY
|
42% |
| Loan-to-Deposit Ratio ? |
30.29%
+0.9% YoY
-20.1% QoQ
|
-43.92% |
74.21%
+12.6% YoY
|
74.14%
+1.3% YoY
|
79.03%
+2.3% YoY
|
Top 9.3% in tier |
| Non-Interest-Bearing Deposit Share ? |
42.10%
+5.8% YoY
+19.2% QoQ
|
+18.61% |
23.49%
+0.6% YoY
|
23.91%
-1.8% YoY
|
21.98%
-0.6% YoY
|
Top 7.5% in tier |
| Nonperforming Asset Ratio ? |
0.22%
+11.6% YoY
-21.2% QoQ
|
-0.62% |
0.84%
+23.0% YoY
|
1.24%
+23.1% YoY
|
0.69%
+15.8% YoY
|
53% |
| Tier 1 Capital Ratio ? |
11.34%
+1.7% YoY
+2.9% QoQ
|
-15.79% |
27.13%
+3.0% YoY
|
14.18%
-3.9% YoY
|
17.09%
+0.8% YoY
|
16% |
| Non-Interest Income / Assets ? |
0.36%
+1.3% YoY
+53.7% QoQ
|
-1.02% |
1.38%
+6.3% YoY
|
0.31%
-11.7% YoY
|
0.66%
+5.2% YoY
|
Top 13.4% in tier |
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 |
42.1%
+2.3pp YoY +6.8pp QoQ |
+17.5pp | 24.6% | 23.9% | 22.2% | 92% |
| 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 |
5.1%
-0.8pp YoY +0.4pp QoQ |
-8.3pp | 13.4% | 15.7% | 12.5% | 21% |
| CRE | n/a | n/a | 25.2% | 42.0% | 41.4% | n/a |
| 1-4 Family |
57.0%
-2.2pp YoY +0.1pp QoQ |
+22.1pp | 35.0% | 24.0% | 31.3% | 79% |
| Consumer |
11.2%
-0.5pp YoY -0.2pp QoQ |
+3.5pp | 7.7% | 5.6% | 5.0% | 81% |
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 |
11.3%
+0.2pp YoY +0.3pp QoQ |
-6.4pp | 17.7% | 11.7% | 12.6% | 33% |
| 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 |
11
0 YoY 0 QoQ |
-1 | 12 | 150 | 482 | 50% |
| Assets per Employee ($) |
$5.6M
+0.1% YoY +22.3% QoQ |
-$600K | $6.2M | $6.5M | $8.8M | 44% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 8 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.9% | 0.4% | n/a |
| Nonaccrual |
0.8%
+0.1pp YoY 0.0pp QoQ |
-1.0pp | 1.7% | 1.5% | 1.0% | 51% |
| Allowance Coverage |
1.54x
-10.5% YoY +4.8% QoQ |
-4.87x | 6.41x | 61.99x | 20.23x | 54% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.2% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
7.5%
-0.9pp YoY +3.5pp QoQ |
+1.1pp | 6.4% | 11.9% | 11.6% | 47% |
| Cost of Funds (YTD) |
1.3%
+0.1pp YoY -0.2pp QoQ |
-0.1pp | 1.4% | 1.8% | 1.7% | 44% |
| Net Income ($, YTD) |
$175,000
-2.2% YoY — QoQ |
-$143K | $317,817 | $8.7M | $40.4M | 33% |
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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.