First State Bank (Noble, 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 Noble, OK, established in 1902 (FDIC certificate 9879), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $61.5M, up 0.1% from Q2 2025, the 151st largest of 169 banks headquartered in Oklahoma. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.34% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 9879
- Headquarters
- Noble, OK
- Established
- 1902
- Total assets, Q2 2026
- $61.5M
- Assets vs Q2 2025
- +0.1%
- Tier 1 leverage ratio, Q2 2026
- 11.34%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 103008404
- Holding company
- NOBLE BANCSHARES, INC.
- Asset rank in state
- 151st of 169 in Oklahoma
Little in First State Bank's latest call report stands out. It reported $61 million in assets at June 30, 2026. On most measures it sits near the middle of the 583 banks with less than $100 million in assets.
Paper losses on its bond portfolio are shrinking: unrealized losses of $2.0 million equal 34% of Tier 1 capital, down from 40% a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 0.7 times its capital, about triple the median of 26% for banks its size.
As of June 30, 2026, First State Bank reported a return on assets of 0.97%, a nonperforming-loan ratio of 0.76% and a Texas ratio of 2.74%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, First State Bank is the 151st largest of the 169 banks headquartered in Oklahoma. Between Q1 2026 and Q2 2026, its total assets rose 22.3% to $61.5M, loans fell 0.4% and deposits rose 24.7%. 1-4 family residential loans made up 56.4% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 25.8%. The FDIC Summary of Deposits lists a single office for it, in Noble, OK. On its Q2 2026 call report, First State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 102 N Main St, Noble, OK 73068
- County
- Cleveland
- Metro Area
- Oklahoma City, OK
- 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
- July 4, 1902
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 11
- Domestic deposits
- $56.8M
- Allowance for credit losses
- $205K
- Net charge-offs (YTD)
- $0
- Average total assets
- $52.7M
- Average total loans
- $17.3M
- Average interest-bearing deposits
- $30.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 9879
- Fed RSSD
- 99853
- Website
- https://www.fsbnoble.com →
- Parent Holding Company
- NOBLE BANCSHARES, INC. (RSSD 1050178)
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
First State Bank's total assets moved between a low of $47.4M (Q4 2023) and a high of $61.5M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$61.5M total assets against $61.4M; $56.8M total liabilities against $57.1M.
$17.2M net loans and leases against $17.1M; $56.8M total deposits against $57.1M.
$36.6M securities against $36.0M; $4.2M cash and balances due against $4.6M.
$643K total interest income against $673K; $153K total interest expense against $142K.
$490K net interest income against $531K.
$103K total noninterest income against $104K; $443K total noninterest expense against $497K.
$2K provision for credit losses against $0.
$128K net income against $128K.
0.97% return on assets against 0.99%; 4.30% net interest margin against 4.25%.
11.34% tier 1 leverage ratio against 11.15%.
Inside the full First State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeQuarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.35% (Q1 2026) to 0.99% (Q2 2025) and its net interest margin ran from 3.54% (Q1 2026) to 4.30% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.34% | 0.97% | 0.76% | 2.74% | 4.30% |
| Q1 2026 | 11.02% | 0.35% | 0.79% | 2.85% | 3.54% |
| Q4 2025 | 11.04% | 0.87% | 0.35% | 1.25% | 4.30% |
| Q3 2025 | 11.38% | 0.65% | 0.48% | 1.71% | 3.99% |
| Q2 2025 | 11.15% | 0.99% | 0.69% | 2.65% | 4.25% |
| Q1 2025 | 10.92% | 0.39% | 2.24% | 8.72% | 3.78% |
| Q4 2024 | 11.67% | 0.80% | 2.29% | 9.29% | 4.15% |
| Q3 2024 | 11.06% | 0.63% | 1.68% | 6.09% | 4.16% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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) | Noble , OK | 73068 | $56.8M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in OK, rank 164 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 33 applications, 20 loans originated, $2.1M originated, across 1 states
- Period: Calendar year 2018. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $850K approved, $850K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1992 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 $61.5 million in its FFIEC call report.
Where is First State Bank headquartered?
It is headquartered in Noble, OK, United States.
When was First State Bank founded?
It was established in 1902, per the FDIC institution directory.
Is First State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #9879). 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.
How many branches does First State Bank operate?
It operates 1 domestic office, 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 2.74% 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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