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First State Bank

$100M-$1B Specialty: Other OK FDIC cert 12757

Valliant, OK

3 branches across OK

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 106 in OK.
  • Deposits -2.5% year over year ($88.9M on the books).
  • Delinquency rate 0.44%.
  • Return on assets 1.71%.
  • Efficiency ratio 71.28% vs a 64.48% peer average.
  • Loan-to-deposit ratio 73.90% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 106 in OK
View $100M-$1B leaderboard (OK) →

First State Bank has 3 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Deposit Franchise: Top 9.0% in tier
  • + ROA 0.39% above tier average
  • + Delinquency Rate 0.48% below tier average

Key Concerns

Areas that may need attention

  • - Deposit Outflow: Bottom 41.3% in tier
  • - Credit Quality Pressure: Bottom 46.5% in tier
  • - Margin Compression: Bottom 55.4% in tier
  • - Efficiency Ratio 6.80% above tier average
Get updates when First State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Total Assets ? $100.3M
-1.6% YoY -0.7% QoQ
-$286.3M $386.6M
+1.2% YoY
$1.3B
+6.0% YoY
$6.3B
+7.7% YoY
Bottom 0.1% in tier
Total Loans ? $65.7M
-1.3% YoY -1.8% QoQ
-$192.7M $258.3M
+1.7% YoY
$835.5M
+7.1% YoY
$3.2B
+9.4% YoY
Bottom 5.9% in tier
Total Deposits ? $88.9M
-2.5% YoY +0.1% QoQ
-$237.9M $326.7M
+0.7% YoY
$967.8M
+5.8% YoY
$4.9B
+7.3% YoY
Bottom 2.2% in tier
Return on Assets ? 1.71%
-12.3% YoY +4.5% QoQ
+0.39% 1.32%
+10.8% YoY
1.35%
+7.7% YoY
1.30%
+12.1% YoY
76%
Net Interest Margin ? 5.92%
-2.9% YoY +1.8% QoQ
+1.93% 3.99%
+5.0% YoY
4.27%
+1.9% YoY
3.95%
+4.9% YoY
Top 1.6% in tier
Efficiency Ratio ? 71.28%
+3.8% YoY -1.6% QoQ
+6.80% 64.48%
-3.2% YoY
64.81%
-3.0% YoY
70.05%
+2.5% YoY
27%
Delinquency Rate ? 0.44%
+396.2% YoY -3.2% QoQ
-0.48% 0.92%
+15.7% YoY
1.78%
+23.7% YoY
0.98%
+16.3% YoY
49%
Loan-to-Deposit Ratio ? 73.90%
+1.3% YoY -1.9% QoQ
-4.05% 77.95%
+1.0% YoY
74.14%
+1.3% YoY
79.03%
+2.3% YoY
62%
Non-Interest-Bearing Deposit Share ? 39.31%
-0.3% YoY -1.6% QoQ
+17.28% 22.03%
-0.6% YoY
23.91%
-1.8% YoY
21.98%
-0.6% YoY
Top 5.4% in tier
Nonperforming Asset Ratio ? 0.29%
+397.9% YoY -4.2% QoQ
-0.38% 0.67%
+16.4% YoY
1.24%
+23.1% YoY
0.69%
+15.8% YoY
53%
Tier 1 Capital Ratio ? 16.40%
+2.3% YoY +4.0% QoQ
+0.49% 15.91%
+1.4% YoY
14.18%
-3.9% YoY
17.09%
+0.8% YoY
74%
Non-Interest Income / Assets ? 0.23%
+0.8% YoY +106.9% QoQ
-0.34% 0.57%
+7.6% YoY
0.31%
-11.7% YoY
0.66%
+5.2% YoY
59%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Noninterest-Bearing 39.3%
-0.1pp YoY
-0.6pp QoQ
 +17.2pp 22.1% 23.9% 22.2% 95%
Brokered Deposits n/a n/a 7.9% 9.7% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
C&I 14.4%
-2.9pp YoY
-0.2pp QoQ
 +2.8pp 11.6% 15.7% 12.5% 74%
CRE n/a n/a 39.5% 42.0% 41.4% n/a
1-4 Family 28.1%
-1.8pp YoY
-1.8pp QoQ
 -4.5pp 32.6% 24.0% 31.3% 47%
Consumer 12.5%
-0.4pp YoY
-0.4pp QoQ
 +8.4pp 4.1% 5.6% 5.0% 94%

Capital

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
CET1 Ratio 16.4%
+0.4pp YoY
+0.6pp QoQ
 -2.4pp 18.8% 17.0% 19.7% 60%
Leverage Ratio 10.9%
+0.8pp YoY
+0.7pp QoQ
 -1.3pp 12.2% 11.7% 12.6% 49%
Total Capital Ratio 17.6%
+0.4pp YoY
+0.8pp QoQ
 -2.3pp 19.9% 18.2% 20.8% 61%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Full-Time Employees 32
+1 (+3.2%) YoY
+1 (+3.2%) QoQ
 -27 58 150 482 30%
Assets per Employee ($) $3.1M
-4.7% YoY
-3.8% QoQ
 -$4.4M $7.5M $6.5M $8.8M 2%
Branch Count 3
0 YoY
0 QoQ
 -2 4 8 18 26%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.9% 0.4% n/a
Nonaccrual 0.4%
+0.4pp YoY
0.0pp QoQ
 -0.5pp 0.9% 1.5% 1.0% 49%
Allowance Coverage 3.08x
-81.4% YoY
+37.4% QoQ
 -21.07x 24.15x 61.99x 20.23x 59%
Net Charge-off Rate (YTD) 0.1%
+0.1pp YoY
-1.3pp QoQ
 -0.1pp 0.1% 0.2% 0.2% 74%

Profitability

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
ROE 16.0%
-3.6pp YoY
+0.7pp QoQ
 +3.8pp 12.2% 11.9% 11.6% 73%
Cost of Funds (YTD) 1.0%
-0.3pp YoY
-0.1pp QoQ
 -0.7pp 1.7% 1.8% 1.7% 12%
Net Income ($, YTD) $862,000
-11.6% YoY
— QoQ
 -$1.7M $2.6M $8.7M $40.4M 22%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Deposit Franchise

growth
#26 of 278 • Top 9.0% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature
Noninterest-Bearing Deposit Share: 39.31%
(Tier: 22.03%, National: 21.98%)
better than tier avg
Net Interest Margin: 5.92%
(Tier: 3.99%, National: 3.95%)
better than tier avg
278 of 278 Community banks match · 368 nationally
→ Stable -1 banks QoQ | QoQ rank declining

Concerns (3)

Deposit Outflow

decline
#222 of 535 • Bottom 41.3% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk
#585 of 1256 • Bottom 46.5% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.44%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

Margin Compression

decline
#171 of 307 • Bottom 55.4% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 1.71%
(Tier: 1.32%, National: 1.30%)
better than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

44
Net Interest Margin
profitability
Value: 5.92%
Peer Median: 3.99%
#44 of 2643 Top 1.6% in $100M-$1B
143
Non-Interest-Bearing Deposit Share
funding
Value: 39.31%
Peer Median: 22.03%
#143 of 2643 Top 5.4% in $100M-$1B
633
Return on Assets
profitability
Value: 1.71%
Peer Median: 1.32%
#633 of 2643 Top 23.9% in $100M-$1B

Top Weaknesses (3 metrics)

2642
Total Assets
size
Value: $100.25M
Peer Median: $386.57M
#2642 of 2643 Bottom 0.1% in $100M-$1B
2586
Total Deposits
size
Value: $88.86M
Peer Median: $326.73M
#2586 of 2643 Bottom 2.2% in $100M-$1B
2489
Total Loans
size
Value: $65.67M
Peer Median: $258.35M
#2489 of 2643 Bottom 5.9% in $100M-$1B
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