Is First Bank of Thomas Safe?
First Bank of Thomas has a Bank Health Score of 89/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (59/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 30.91% | 100/100 |
| Nonperforming Loan Ratio | 1.18% | 76/100 |
| Liquidity Ratio | 46.62% | 100/100 |
| Return on Assets | 0.97% | 59/100 |
| Total Assets | $0.1B | |
How does First Bank of Thomas compare?
With a Bank Health Score of 89/100, First Bank of Thomas sits 19.0 points above the national average of 70/100 for FDIC-insured banks. Within Oklahoma, where 141 FDIC-insured banks are headquartered, First Bank of Thomas ranks above the state average of 64/100 (Grade C).
The bank's Tier 1 capital ratio of 30.91% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 1.18% is in a normal range for a bank this size.
What changed in the last year?
Over the last four quarters, First Bank of Thomas's Bank Health Score fell by 4.0 points to 89/100. Tier 1 capital weakened by 5.77 percentage points to 30.91%. Quarter-over-quarter, the score fell by 1.0 points.
First Bank of Thomas has a Bank Health Score of 89/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (59/100).