The First State Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Non-performing loans to loans climbed 1.95 percentage points in Q2 2026, from 0.03% to 1.98%. It was the largest change from Q1 2026 among the key lines here. Within Oklahoma, The First State Bank is 30th of 169 on return on assets, 2.10% as of Q2 2026. Against a median of 1.26% for banks in the $100M-1B asset tier, The First State Bank reported 2.10% on return on assets in Q2 2026, 0.85 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.93% |
| Equity capital to assets | 8.92% |
| Tangible equity to tangible assets | 8.58% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.98% |
| Non-performing assets ratio | 1.61% |
| Net charge-off ratio | -0.04% |
| Texas ratio | 17.91% |
| Allowance for credit losses to loans | 0.66% |
| Reserve coverage of non-performing loans | 33.33% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.10% |
| Return on equity | 23.01% |
| Net interest margin | 4.10% |
| Efficiency ratio | 42.93% |
| Yield on earning assets | 6.31% |
| Cost of funds | 2.31% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 93.39% |
| Core deposits to total deposits | 67.04% |
| Brokered deposits to total deposits | 25.66% |
| Deposits to assets | 87.01% |
| Securities to assets | 7.71% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 9.73% | 2.63% | 4.38% | 0.06% | -0.01% |
| Q4 2023 | 8.53% | 1.69% | 4.51% | 0.06% | 0.18% |
| Q1 2024 | 9.15% | 2.62% | 4.40% | 0.06% | -0.01% |
| Q2 2024 | 9.17% | 2.26% | 4.22% | 0.06% | 0.18% |
| Q3 2024 | 9.14% | 2.49% | 4.20% | 0.05% | 0.22% |
| Q4 2024 | 8.78% | 1.06% | 4.40% | 0.05% | 0.04% |
| Q1 2025 | 9.16% | 2.77% | 4.50% | 0.05% | 0.02% |
| Q2 2025 | 9.74% | 2.54% | 4.35% | 0.05% | 0.00% |
| Q3 2025 | 9.87% | 2.68% | 4.48% | 0.05% | -0.01% |
| Q4 2025 | 9.48% | 1.97% | 4.29% | 0.05% | 0.00% |
| Q1 2026 | 9.83% | 2.43% | 4.16% | 0.03% | -0.07% |
| Q2 2026 | 9.93% | 2.10% | 4.10% | 1.98% | -0.04% |
The First State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The First State Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The First State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2301) · FFIEC NIC profile (RSSD 141350)