First State Bank (Anadarko, OK)
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Data as of · sourced from FFIEC call reports. How we update
First State Bank is an FDIC-insured commercial bank headquartered in Anadarko, OK, established in 1909 (FDIC certificate 12283), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $139.6M, up 6.5% from Q2 2025, the 114th largest of 169 banks headquartered in Oklahoma. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.21% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 12283
- Headquarters
- Anadarko, OK
- Established
- 1909
- Total assets, Q2 2026
- $139.6M
- Assets vs Q2 2025
- +6.5%
- Tier 1 leverage ratio, Q2 2026
- 11.21%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 103101505
- Asset rank in state
- 114th of 169 in Oklahoma
First State Bank, based in Anadarko, Oklahoma, reported $140 million in assets at June 30, 2026, up 6.5% from a year earlier. It keeps 2.52 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also grew its loan book 22.6% over the year, 4.1 times the median of 5.5% for banks its size.
Paper losses on its bond portfolio are shrinking: unrealized losses of $9.1 million equal 55% of Tier 1 capital, down from 63% a year earlier. Loans are outrunning deposits: over the year loans rose 22.6% and deposits rose 5.7%. Profitability lags: it earns about $0.77 a year on every $100 of assets, lower than about three-quarters of banks its size (median $1.28).
As of June 30, 2026, First State Bank reported a return on assets of 0.77%, a nonperforming-loan ratio of 0.34% and a Texas ratio of 1.46%. The figures come from its call report filed with the FFIEC.
Of the 169 banks headquartered in Oklahoma, First State Bank is the 114th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 2.8% to $139.6M, loans rose 9.8% and deposits fell 2.9%. Its loan book on June 30, 2026 was led by loans to states and political subdivisions, at 18.8% of total loans, followed by commercial and industrial loans at 14.0%. Its 2 offices in the FDIC Summary of Deposits are in Anadarko, OK and Gracemont, OK; its Anadarko office books 85% of its branch deposits. Judged on its Q2 2026 call report, First State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 102 W Main St, Anadarko, OK 73005
- County
- Caddo
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- February 5, 1909
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 21
- Domestic deposits
- $130.5M
- Allowance for credit losses
- $1.0M
- Net charge-offs (YTD)
- $18K
- Average total assets
- $149.1M
- Average total loans
- $39.1M
- Average interest-bearing deposits
- $118.2M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 12283
- Fed RSSD
- 41553
- Website
- www.fsbanadarko.bank →
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, First State Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, First State Bank's total assets ranged from $110.1M (Q3 2023) to $146.5M (Q4 2025), and it earned a profit in 9 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$139.6M total assets against $131.1M; $131.2M total liabilities against $124.1M.
$39.9M net loans and leases against $32.6M; $130.5M total deposits against $123.4M.
$79.3M securities against $74.4M; $16.3M cash and balances due against $20.2M.
$1.4M total interest income against $1.3M; $544K total interest expense against $528K.
$869K net interest income against $750K.
$216K total noninterest income against $142K; $679K total noninterest expense against $596K.
$119K provision for credit losses against $0.
$287K net income against $296K.
0.77% return on assets against 0.84%; 2.52% net interest margin against 2.27%.
11.21% tier 1 leverage ratio against 11.50%.
Inside the full First State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst State Bank rankings
Its closest position to the top of a national ranking is 1,900 of 3,606, for efficiency ratio; its furthest is 2,945 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.91% (Q4 2024) to 1.25% (Q1 2026) and its net interest margin ran from 2.03% (Q3 2024) to 2.61% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.21% | 0.77% | 0.34% | 1.46% | 2.52% |
| Q1 2026 | 11.08% | 1.25% | 0.39% | 1.52% | 2.56% |
| Q4 2025 | 11.42% | -0.51% | 0.43% | 1.74% | 2.61% |
| Q3 2025 | 11.81% | 0.98% | 0.40% | 1.62% | 2.43% |
| Q2 2025 | 11.50% | 0.84% | 0.53% | 2.27% | 2.27% |
| Q1 2025 | 11.47% | 0.84% | 0.45% | 1.96% | 2.20% |
| Q4 2024 | 11.88% | -0.91% | 0.47% | 2.59% | 2.20% |
| Q3 2024 | 12.28% | 0.68% | 0.50% | 1.78% | 2.03% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First State Bank (main office) | Anadarko , OK | 73005 | $110.6M |
| Gracemont Branch | Gracemont , OK | 73042 | $19.9M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| November 11, 1988 | Structure Change | Acquired The First National Bank of Gracemont Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| November 10, 1988 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in OK, rank 128 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about First State Bank
What are First State Bank's total assets?
As of the Q2 2026 filing, First State Bank reported total assets of $139.6 million in its FFIEC call report.
Where is First State Bank headquartered?
It is headquartered in Anadarko, OK, United States.
When was First State Bank founded?
It was established in 1909, per the FDIC institution directory.
Is First State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #12283). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First State Bank?
First State Bank's primary federal regulator is the Federal Reserve.
How many branches does First State Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First State Bank's Texas Ratio?
Its Texas Ratio is 1.46% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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