First State Bank (Valliant, 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 Valliant, OK, established in 1911 (FDIC certificate 12757), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $100.3M, down 1.6% from Q2 2025, the 130th largest of 169 banks headquartered in Oklahoma. Its CET1 capital ratio was 16.40% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 12757
- Headquarters
- Valliant, OK
- Established
- 1911
- Total assets, Q2 2026
- $100.3M
- Assets vs Q2 2025
- -1.6%
- CET1 ratio, Q2 2026
- 16.40%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 103109390
- Holding company
- FSB FINANCIAL CORP.
- Asset rank in state
- 130th of 169 in Oklahoma
Problem loans are rising at First State Bank. Its balance sheet stood at $100 million at June 30, 2026, down 1.6% from a year earlier; it is based in Valliant, Oklahoma. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.43% of loans from 0.09% a year earlier. It keeps 6.14 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also pays an average of 1.03% on its deposits and borrowings, lower than about 9 in 10 banks its size (median 1.80%).
Net income for the quarter slipped 20% from a year earlier, to $448,000.
As of June 30, 2026, First State Bank reported a CET1 capital ratio of 16.40%, a return on assets of 1.81%, a nonperforming-loan ratio of 0.43% and a Texas ratio of 2.50%. The figures come from its call report filed with the FFIEC.
Of the 169 banks headquartered in Oklahoma, First State Bank is the 130th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.7% to $100.3M, loans fell 1.5% and deposits rose 0.1%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 27.7% of total loans, ahead of commercial and industrial loans at 14.2%. Its 3 offices in the FDIC Summary of Deposits are in Valliant, OK, Idabel, OK and Broken Bow, OK; its Valliant office books 52% of its branch deposits. By the capital ratios in its Q2 2026 call report, First State Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 106 N Dalton St, Valliant, OK 74764
- County
- Mccurtain
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1911
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 32
- Domestic deposits
- $88.9M
- Allowance for credit losses
- $891K
- Net charge-offs (YTD)
- $29K
- Average total assets
- $98.8M
- Average total loans
- $66.5M
- Average interest-bearing deposits
- $52.6M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 12757
- Fed RSSD
- 513854
- Website
- www.fsbvalliant.com →
- Parent Holding Company
- FSB FINANCIAL CORP. (RSSD 5332827)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, First State Bank's total assets ranged from $90.3M (Q4 2023) to $101.9M (Q2 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$100.3M total assets against $101.9M; $89.6M total liabilities against $91.9M.
$65.7M net loans and leases against $66.5M; $88.9M total deposits against $91.2M.
$23.2M securities against $23.8M; $7.1M cash and balances due against $8.9M.
$1.7M total interest income against $1.8M; $228K total interest expense against $318K.
$1.4M net interest income against $1.5M.
$118K total noninterest income against $118K; $1.1M total noninterest expense against $1.0M.
No provision recorded in the last 12 quarters.
$448K net income against $557K.
1.81% return on assets against 2.20%; 6.14% net interest margin against 6.02%.
16.40% CET1 capital ratio against 16.03%; 10.91% tier 1 leverage ratio against 10.12%.
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 730 of 3,611, for ROA; its furthest is 3,662 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.64% (Q1 2026) to 2.47% (Q3 2024) and its net interest margin ran from 5.83% (Q1 2026) to 6.14% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.40% | 1.81% | 0.43% | 2.50% | 6.14% |
| Q1 2026 | 15.77% | 1.64% | 0.45% | 2.74% | 5.83% |
| Q4 2025 | 16.85% | 2.11% | 0.08% | 0.44% | 6.14% |
| Q3 2025 | 16.50% | 1.91% | 0.13% | 0.75% | 5.92% |
| Q2 2025 | 16.03% | 2.20% | 0.09% | 0.54% | 6.02% |
| Q1 2025 | 14.84% | 1.68% | 0.09% | 0.59% | 5.98% |
| Q4 2024 | 16.72% | 2.37% | 0.09% | 0.58% | 6.12% |
| Q3 2024 | 16.04% | 2.47% | 0.10% | 0.60% | 6.10% |
Swipe the table sideways to see every column.
Branch Network
View all 3 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) | Valliant , OK | 74764 | $46.6M |
| First State Bank Branch | Idabel , OK | 74745 | $29.3M |
| Fsb Hochatown Branch | Broken Bow , OK | 74728 | $13.0M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in OK, rank 147 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 $100.3 million in its FFIEC call report.
Where is First State Bank headquartered?
It is headquartered in Valliant, OK, United States.
When was First State Bank founded?
It was established in 1911, per the FDIC institution directory.
Is First State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #12757). 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 FDIC.
What is First State Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 16.40% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First State Bank operate?
It operates 3 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 2.50% 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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