BlastPoint's Banking Scorecard
First State Bank
Designations: ✓ Community bank ✓ CDFI-certified
Noble, OK
First State Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 0.43% below tier average
- + Efficiency Ratio 0.61% below tier average
- + Delinquency Rate 0.57% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.47% below tier average
- - Net Interest Margin 0.16% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$50.2M
-3.1% YoY
-4.3% QoQ
|
-$11.9M |
$62.2M
-0.6% YoY
|
$1.2B
+6.7% YoY
|
$6.2B
+9.1% YoY
|
31% |
| Total Loans ? |
$17.3M
-0.2% YoY
-0.7% QoQ
|
-$17.0M |
$34.2M
-1.4% YoY
|
$822.6M
+7.2% YoY
|
$3.2B
+10.8% YoY
|
23% |
| Total Deposits ? |
$45.6M
-4.1% YoY
-4.6% QoQ
|
-$6.2M |
$51.7M
-0.7% YoY
|
$956.7M
+4.7% YoY
|
$4.8B
+8.2% YoY
|
38% |
| Return on Assets ? |
0.37%
-10.9% YoY
-48.9% QoQ
|
-0.47% |
0.84%
-2.3% YoY
|
1.34%
+7.6% YoY
|
1.23%
+13.4% YoY
|
25% |
| Net Interest Margin ? |
3.70%
-9.9% YoY
-9.3% QoQ
|
-0.16% |
3.86%
+2.8% YoY
|
4.25%
+2.4% YoY
|
3.89%
+5.7% YoY
|
43% |
| Efficiency Ratio ? |
87.73%
-2.0% YoY
+7.3% QoQ
|
-0.61% |
88.34%
+0.3% YoY
|
65.16%
-1.8% YoY
|
66.95%
-4.1% YoY
|
23% |
| Delinquency Rate ? |
0.80%
-64.8% YoY
+127.8% QoQ
|
-0.57% |
1.37%
+33.8% YoY
|
1.61%
+16.3% YoY
|
0.95%
+18.8% YoY
|
40% |
| Loan-to-Deposit Ratio ? |
37.93%
+4.1% YoY
+4.1% QoQ
|
-26.28% |
64.22%
-0.7% YoY
|
73.83%
+1.6% YoY
|
76.70%
+0.9% YoY
|
84% |
| Non-Interest-Bearing Deposit Share ? |
35.32%
-2.0% YoY
+1.6% QoQ
|
+11.60% |
23.71%
+0.3% YoY
|
23.68%
-1.7% YoY
|
22.01%
-1.2% YoY
|
Top 13.1% in tier |
| Nonperforming Asset Ratio ? |
0.27%
-63.7% YoY
+136.4% QoQ
|
-0.51% |
0.79%
+28.2% YoY
|
1.12%
+15.3% YoY
|
0.67%
+19.3% YoY
|
48% |
| Tier 1 Capital Ratio ? |
11.02%
+0.9% YoY
-0.2% QoQ
|
-15.67% |
26.68%
+2.0% YoY
|
14.36%
-1.8% YoY
|
17.06%
+0.8% YoY
|
Bottom 12.8% in tier |
| Non-Interest Income / Assets ? |
0.23%
+6.9% YoY
-72.3% QoQ
|
-0.43% |
0.67%
+1.9% YoY
|
0.15%
-5.6% YoY
|
0.32%
+4.1% YoY
|
Top 9.8% in tier |
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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.