FIRST STATE BANK

NOBLE, OK | Micro | Est. July 4, 1902, midnight | FDIC #9879 | RSSD #99853 | FDIC
Latest Report: 2025-12-31

FIRST STATE BANK is amn micro FDIC-insured commercial bank headquartered in NOBLE, OK, established in July 4, 1902, midnight. As of 2025-12-31, the bank reported total assets of $52M and total deposits of $48M. Profitability stands at 0.90% ROA and 10.01% ROE, with a net interest margin of 4.12%. The bank's CET1 capital ratio is 8.92%. Asset quality metrics show a non-performing loan ratio of 0.35% and a Texas Ratio of 1.25%. FDIC Certificate #9879. The institution operates 1 domestic branch.

Assets

$52M

Deposits

$48M

Loans

$18M

Equity

$5M

Profitability

Return on Assets (ROA) 0.90%
Return on Equity (ROE) 10.01%
Net Interest Margin (NIM) 4.12%
Yield on Assets 5.50%
Cost of Funds 2.11%

Asset Quality

NPL Ratio 0.35%
Net Charge-Off Ratio 0.05%
Texas Ratio 1.25%
NPA Ratio 0.12%
ACL / Loans 1.15%

Capital & Liquidity

CET1 Ratio 8.92%
Tier 1 Capital 8.92%
Total Capital Ratio 9.37%
Leverage Ratio 10.33%
Loan-to-Deposit 36.87%

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