Banks FIRST STATE BANK

FIRST STATE BANK

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

FIRST STATE BANK is an 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%. CET1 capital ratio: 16.85%, well above regulatory minimums. NPL ratio: 0.08% · Texas Ratio: 0.44%.

Assets
$102M
Deposits
$87M
Loans
$69M
Equity
$11M

Profitability

Return on Assets (ROA)2.11%
Return on Equity (ROE)19.19%
Net Interest Margin6.34%
Yield on Assets7.56%
Cost of Funds1.25%

Asset Quality

NPL Ratio0.08%
Net Charge-Off Ratio0.07%
Texas Ratio0.44%
NPA Ratio0.05%
ACL / Loans1.33%

Capital & Liquidity

CET1 Ratio16.85%
Tier 1 Capital16.85%
Total Capital Ratio18.10%
Leverage Ratio11.10%
Loan-to-Deposit79.94%

This is just the summary.

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