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.
Brokered deposits to total deposits dropped 10.37 percentage points in Q2 2026, from 10.86% to 0.50%. It was the largest change from Q1 2026 among the key lines here. Within Oklahoma, The First State Bank is 61st of 169 on return on assets, 1.77% as of Q2 2026, above the middle of the field. The First State Bank's return on assets of 1.77% is well above the 0.98% median for banks in the < $100M asset tier, a gap of 0.80 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.78% |
| Equity capital to assets | 13.63% |
| Tangible equity to tangible assets | 13.63% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 1.01% |
| Net charge-off ratio | 0.03% |
| Texas ratio | 8.53% |
| Allowance for credit losses to loans | 1.72% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.77% |
| Return on equity | 13.25% |
| Net interest margin | 5.36% |
| Efficiency ratio | 66.29% |
| Yield on earning assets | 6.77% |
| Cost of funds | 1.58% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 98.30% |
| Core deposits to total deposits | 93.09% |
| Brokered deposits to total deposits | 0.50% |
| Deposits to assets | 86.30% |
| Securities to assets | 5.53% |
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 | 12.75% | 1.22% | 4.93% | 0.19% | -0.01% |
| Q4 2023 | 13.18% | 0.82% | 5.01% | 0.34% | 0.00% |
| Q1 2024 | 13.17% | 1.73% | 5.16% | 0.47% | 0.01% |
| Q2 2024 | 13.31% | 1.64% | 5.41% | 0.25% | 0.86% |
| Q3 2024 | 13.58% | 1.57% | 5.64% | 0.04% | 0.30% |
| Q4 2024 | 13.93% | 0.57% | 5.65% | 0.00% | 0.17% |
| Q1 2025 | 13.67% | 2.14% | 5.46% | 0.00% | 0.00% |
| Q2 2025 | 13.73% | 2.19% | 5.48% | 0.00% | -0.04% |
| Q3 2025 | 14.64% | 2.45% | 5.61% | 1.15% | 0.01% |
| Q4 2025 | 14.63% | 0.58% | 5.48% | 1.06% | 0.04% |
| Q1 2026 | 13.86% | 2.08% | 4.78% | 1.13% | 0.00% |
| Q2 2026 | 12.78% | 1.77% | 5.36% | 0.00% | 0.03% |
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 11527) · FFIEC NIC profile (RSSD 644057)