FIRST STATE BANK

VALLIANT, OK | Small | Est. Jan. 1, 1911, midnight | FDIC #12757 | RSSD #513854 | FDIC
Latest Report: 2025-12-31

FIRST STATE BANK is asn small FDIC-insured commercial bank headquartered in VALLIANT, OK, established in Jan. 1, 1911, midnight. As of 2025-12-31, the bank reported total assets of $102M and total deposits of $87M. Profitability stands at 2.11% ROA and 19.19% ROE, with a net interest margin of 6.34%. The bank's CET1 capital ratio is 16.85%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.08% and a Texas Ratio of 0.44%. FDIC Certificate #12757.

Assets

$102M

Deposits

$87M

Loans

$69M

Equity

$11M

Profitability

Return on Assets (ROA) 2.11%
Return on Equity (ROE) 19.19%
Net Interest Margin (NIM) 6.34%
Yield on Assets 7.56%
Cost of Funds 1.99%

Asset Quality

NPL Ratio 0.08%
Net Charge-Off Ratio 0.07%
Texas Ratio 0.44%
NPA Ratio 0.05%
ACL / Loans 1.33%

Capital & Liquidity

CET1 Ratio 16.85%
Tier 1 Capital 16.85%
Total Capital Ratio 18.10%
Leverage Ratio 11.10%
Loan-to-Deposit 79.94%

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