First State Bank in Temple
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Data as of · sourced from FFIEC call reports. How we update
First State Bank in Temple is an FDIC-insured commercial bank headquartered in Temple, OK, established in 1919 (FDIC certificate 5999), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $26.4M, up 1.0% from Q2 2025, the 165th largest of 169 banks headquartered in Oklahoma. It reports no CET1 ratio; its Tier 1 leverage ratio was 22.19% 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
- 5999
- Headquarters
- Temple, OK
- Established
- 1919
- Total assets, Q2 2026
- $26.4M
- Assets vs Q2 2025
- +1.0%
- Tier 1 leverage ratio, Q2 2026
- 22.19%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 103111155
- Asset rank in state
- 165th of 169 in Oklahoma
Problem loans are rising at First State Bank in Temple. Based in Temple, Oklahoma, it had $26 million in assets at June 30, 2026, up 1.0% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 8.60% of loans from 0.08% a year earlier. It carries problem assets equal to 17.2% of the capital and reserves that would absorb them, 12.5 times the median of 1.4% for the 583 banks with less than $100 million in assets. It also grew its loan book 38.6% over the year, 15.1 times the median of 2.6% for banks its size.
Loans and deposits moved in opposite directions: over the year loans rose 38.6% and deposits fell 1.0%. Paper losses on its bond portfolio are shrinking: unrealized losses of $2.1 million equal 34% of Tier 1 capital, down from 41% a year earlier.
As of June 30, 2026, First State Bank in Temple reported a return on assets of 1.09%, a nonperforming-loan ratio of 8.60% and a Texas ratio of 17.23%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, First State Bank in Temple is the 165th largest of the 169 banks headquartered in Oklahoma. Between Q1 2026 and Q2 2026, its total assets fell 1.4% to $26.4M, loans fell 26.4% and deposits rose 9.2%. Its loan book on June 30, 2026 was led by agricultural production loans, at 56.9% of total loans, followed by farmland and other real estate loans at 30.7%. The FDIC Summary of Deposits lists a single office for it, in Temple, OK. By the capital ratios in its Q2 2026 call report, First State Bank in Temple meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 111 South Commercial, Temple, OK 73568
- County
- Cotton
- Metro Area
- Lawton, OK
- 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
- June 1, 1919
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 8
- Domestic deposits
- $21.5M
- Allowance for credit losses
- $260K
- Net charge-offs (YTD)
- $0
- Average total assets
- $28.3M
- Average total loans
- $11.5M
- Average interest-bearing deposits
- $14.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5999
- Fed RSSD
- 325459
- Website
- http://www.fstbank.com →
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 in Temple reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, First State Bank in Temple's total assets ran between $23.7M (Q4 2024) and $26.9M (Q3 2025), and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$26.4M total assets against $26.1M; $21.6M total liabilities against $21.8M.
$9.7M net loans and leases against $7.0M; $21.5M total deposits against $21.8M.
$11.1M securities against $11.6M; $4.3M cash and balances due against $6.4M.
$327K total interest income against $306K; $102K total interest expense against $100K.
$225K net interest income against $206K.
$8K total noninterest income against $7K; $156K total noninterest expense against $150K.
$0 provision for credit losses against $0.
$77K net income against $58K.
1.09% return on assets against 0.87%; 3.37% net interest margin against 3.27%.
22.19% tier 1 leverage ratio against 22.69%.
Inside the full First State Bank in Temple terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
First State Bank in Temple rankings
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.65% (Q4 2024) to 1.11% (Q3 2024) and its net interest margin ran from 3.12% (Q3 2024) to 3.65% (Q1 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 22.19% | 1.09% | 8.60% | 17.23% | 3.37% |
| Q1 2026 | 21.98% | 0.88% | 6.34% | 17.39% | 3.65% |
| Q4 2025 | 22.48% | -0.13% | 7.03% | 17.73% | 3.34% |
| Q3 2025 | 21.66% | 0.93% | 0.00% | 0.00% | 3.19% |
| Q2 2025 | 22.69% | 0.87% | 0.08% | 0.13% | 3.27% |
| Q1 2025 | 23.08% | 0.66% | 0.06% | 0.13% | 3.23% |
| Q4 2024 | 22.45% | -0.65% | 0.00% | 0.00% | 3.26% |
| Q3 2024 | 21.46% | 1.11% | 0.00% | 0.00% | 3.12% |
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 in Temple (main office) | Temple , OK | 73568 | $21.5M |
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 |
|---|---|---|---|
| May 1, 2020 | Structure Change | Acquired First Temple Corporation Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in OK, rank 187 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $136K approved, $136K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1999 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 in Temple
What are First State Bank in Temple's total assets?
As of the Q2 2026 filing, First State Bank in Temple reported total assets of $26.4 million in its FFIEC call report.
Where is First State Bank in Temple headquartered?
It is headquartered in Temple, OK, United States.
When was First State Bank in Temple founded?
It was established in 1919, per the FDIC institution directory.
Is First State Bank in Temple FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #5999). 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 in Temple?
First State Bank in Temple's primary federal regulator is the Federal Reserve.
How many branches does First State Bank in Temple 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 in Temple's Texas Ratio?
Its Texas Ratio is 17.23% 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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