FIRST STATE BANK

WATONGA, OK | Micro | Est. Sept. 5, 1974, midnight | FDIC #21752 | RSSD #965051 | FDIC
Latest Report: 2025-12-31

FIRST STATE BANK is amn micro FDIC-insured commercial bank headquartered in WATONGA, OK, established in Sept. 5, 1974, midnight. As of 2025-12-31, the bank reported total assets of $83M and total deposits of $73M. Profitability stands at 1.88% ROA and 16.35% ROE, with a net interest margin of 5.23%. The bank's CET1 capital ratio is 11.76%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.06% and a Texas Ratio of 0.26%. FDIC Certificate #21752.

Assets

$83M

Deposits

$73M

Loans

$52M

Equity

$10M

Profitability

Return on Assets (ROA) 1.88%
Return on Equity (ROE) 16.35%
Net Interest Margin (NIM) 5.23%
Yield on Assets 6.80%
Cost of Funds 2.22%

Asset Quality

NPL Ratio 0.06%
Net Charge-Off Ratio -0.07%
Texas Ratio 0.26%
NPA Ratio 0.03%
ACL / Loans 2.53%

Capital & Liquidity

CET1 Ratio 11.76%
Tier 1 Capital 11.76%
Total Capital Ratio 12.35%
Leverage Ratio 13.61%
Loan-to-Deposit 71.50%

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