Firstar Bank
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Data as of · sourced from FFIEC call reports. How we update
Firstar Bank is an FDIC-insured commercial bank headquartered in Sallisaw, OK, established in 1964 (FDIC certificate 19288), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.24B, up 11.8% from Q2 2025, the 21st largest of 169 banks headquartered in Oklahoma. Its CET1 capital ratio was 12.64% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 19288
- Headquarters
- Sallisaw, OK
- Established
- 1964
- Total assets, Q2 2026
- $1.24B
- Assets vs Q2 2025
- +11.8%
- CET1 ratio, Q2 2026
- 12.64%
- Domestic offices
- 11 FDIC institution directory, current count
- Routing number
- 103101262
- Holding company
- FIRSTAR FINANCIAL CORP.
- Asset rank in state
- 21st of 169 in Oklahoma
Firstar Bank earns an unusually wide margin on its lending. Its balance sheet stood at $1.2 billion at June 30, 2026, up 11.8% from a year earlier; it is based in Sallisaw, Oklahoma. It keeps 4.70 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 3.71 cents). On the other hand, it funds 9.03% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.52%).
Loans and deposits moved in opposite directions: over the year loans fell 0.5% and deposits rose 12.1%. Delinquency has appeared in its $142 million non-owner-occupied commercial real estate book: 2.23% of those loans are past due or on nonaccrual, against almost none a year earlier. One more trend to watch: problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.68% of loans from 0.50% a year earlier.
As of June 30, 2026, Firstar Bank reported a CET1 capital ratio of 12.64%, a return on assets of 1.51%, a nonperforming-loan ratio of 0.68% and a Texas ratio of 6.91%. The figures come from its call report filed with the FFIEC.
Of the 169 banks headquartered in Oklahoma, Firstar Bank is the 21st largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 1.1% to $1.24B, loans fell 3.5% and deposits fell 1.5%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 22.0% of total loans, ahead of commercial and industrial loans at 21.0%. The FDIC Summary of Deposits lists 11 offices for it, in 9 cities across 2 states; its Muskogee 2 offices book 33% of its branch deposits. Judged on its Q2 2026 call report, Firstar Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1720 E Cherokee Ave, Sallisaw, OK 74955
- County
- Sequoyah
- Metro Area
- Fort Smith, AR-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
- November 19, 1964
- Former names
- Firstar Bank, National Association (2012-2018); First National Bank, Sallisaw (1972-2012)
- Domestic offices
- 11 FDIC institution directory, current count
- Employees (FTE)
- 212
- Domestic deposits
- $1.09B
- Allowance for credit losses
- $8.4M
- Net charge-offs (YTD)
- $182K
- Average total assets
- $1.24B
- Average total loans
- $861.5M
- Average interest-bearing deposits
- $851.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- November 19, 1964
- FDIC Cert
- 19288
- Fed RSSD
- 427353
- Website
- www.firstar.bank →
- Parent Holding Company
- FIRSTAR FINANCIAL CORP. (RSSD 3017915)
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, Firstar Bank's total assets ranged from $926.9M (Q3 2023) to $1.25B (Q1 2026), 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
$1.24B total assets against $1.11B; $1.10B total liabilities against $982.8M.
$839.0M net loans and leases against $844.2M; $1.09B total deposits against $973.8M.
$72.0M securities against $70.5M; $245.1M cash and balances due against $110.1M.
$18.7M total interest income against $18.1M; $5.2M total interest expense against $4.7M.
$13.6M net interest income against $13.4M.
$2.2M total noninterest income against $1.9M; $9.7M total noninterest expense against $9.6M.
$24K provision for credit losses against $431K.
$4.7M net income against $3.9M.
1.51% return on assets against 1.39%; 4.70% net interest margin against 5.26%.
12.64% CET1 capital ratio against 11.61%; 9.03% tier 1 leverage ratio against 9.22%.
Inside the full Firstar Bank 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.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Firstar Bank rankings
Its closest position to the top of a national ranking is 864 of 4,196, for total assets; its furthest is 1,517 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.34% (Q4 2024) to 4.07% (Q4 2025) and its net interest margin ran from 4.70% (Q2 2026) to 5.39% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.64% | 1.51% | 0.68% | 6.91% | 4.70% |
| Q1 2026 | 12.09% | 1.61% | 0.58% | 6.49% | 4.88% |
| Q4 2025 | 11.37% | 4.07% | 0.48% | 6.36% | 5.34% |
| Q3 2025 | 11.72% | 1.90% | 0.49% | 5.77% | 5.39% |
| Q2 2025 | 11.61% | 1.39% | 0.50% | 5.30% | 5.26% |
| Q1 2025 | 11.52% | 1.61% | 0.40% | 5.79% | 5.00% |
| Q4 2024 | 11.25% | 1.34% | 0.13% | 4.27% | 5.04% |
| Q3 2024 | 11.18% | 2.01% | 0.13% | 4.18% | 4.90% |
Swipe the table sideways to see every column.
Branch Network
View all 11 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 |
|---|---|---|---|
| Muskogee Main Branch | Muskogee , OK | 74401 | $338.3M |
| Tulsa Branch | Tulsa , OK | 74133 | $219.5M |
| Stigler Branch | Stigler , OK | 74462 | $136.3M |
| Firstar Bank (main office) | Sallisaw , OK | 74955 | $110.9M |
| Roland Main Branch | Roland , OK | 74954 | $77.7M |
| Sallisaw West Branch | Sallisaw , OK | 74955 | $58.8M |
| Fort Smith Main Branch | Fort Smith , AR | 72916 | $56.4M |
| Fort Gibson Branch | Fort Gibson , OK | 74434 | $51.2M |
| Muskogee East Branch | Muskogee , OK | 74403 | $26.6M |
| Van Buren Branch | Van Buren , AR | 72956 | $10.1M |
| Fayetteville Branch | Fayetteville , AR | 72703 | $5.7M |
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 |
|---|---|---|---|
| April 1, 2024 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2024 | Structure Change | Acquired The First National Bank of Stigler Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 26, 2019 | Structure Change | Acquired Fort Gibson State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 25, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2012 | Structure Change | Acquired First National Bank of Muskogee Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 2012 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 12, 2000 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 12, 2000 | Structure Change | Acquired First National Bank of Roland 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 8 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 7 against individuals associated with it
- Period: Most recent action September 3, 2020. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.7% of deposits in OK, rank 26 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 932 applications, 779 loans originated, $182.4M originated, across 10 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $174K approved, $174K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2023 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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 Firstar Bank
What are Firstar Bank's total assets?
As of the Q2 2026 filing, Firstar Bank reported total assets of $1.24 billion in its FFIEC call report.
Where is Firstar Bank headquartered?
It is headquartered in Sallisaw, OK, United States.
When was Firstar Bank founded?
It was established in 1964, per the FDIC institution directory.
Is Firstar Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #19288). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Firstar Bank?
Firstar Bank's primary federal regulator is the FDIC.
What is Firstar Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.64% in its Q2 2026 call report, above regulatory requirements.
How many branches does Firstar Bank operate?
It operates 11 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Firstar Bank's Texas Ratio?
Its Texas Ratio is 6.91% 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.
What was Firstar Bank previously called?
The charter now named Firstar Bank has also operated as Firstar Bank, National Association (2012-2018), First National Bank, Sallisaw (1972-2012), per FDIC structure-change records.
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