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First State Bank

under $100M Specialty: Commercial OK FDIC cert 22448

Designations: ✓ Community bank

Tahlequah, OK

2 branches across OK

541 banks in the under $100M peer group nationally 38 in OK
View under $100M leaderboard (OK) →

First State Bank has 1 strength 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

  • + Efficiency Ratio 7.94% below tier average

Key Concerns

Areas that may need attention

  • - Nonperforming Asset Ratio 1.57% above tier average
  • - ROA 0.34% below tier average
  • - Net Interest Margin 0.32% below tier average
  • - Delinquency Rate 1.37% above tier average
Get updates when First State Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Total Assets ? $82.4M
-5.8% YoY +2.0% QoQ
+$20.2M $62.2M
-0.6% YoY
$1.2B
+6.7% YoY
$6.2B
+9.1% YoY
73%
Total Loans ? $51.5M
+1.6% YoY +3.7% QoQ
+$17.3M $34.2M
-1.4% YoY
$822.6M
+7.2% YoY
$3.2B
+10.8% YoY
79%
Total Deposits ? $74.4M
-7.5% YoY +4.5% QoQ
+$22.7M $51.7M
-0.7% YoY
$956.7M
+4.7% YoY
$4.8B
+8.2% YoY
82%
Return on Assets ? 0.50%
+114.7% YoY -14.5% QoQ
-0.34% 0.84%
-2.3% YoY
1.34%
+7.6% YoY
1.23%
+13.4% YoY
30%
Net Interest Margin ? 3.54%
+13.7% YoY +5.1% QoQ
-0.32% 3.86%
+2.8% YoY
4.25%
+2.4% YoY
3.89%
+5.7% YoY
34%
Efficiency Ratio ? 80.41%
-9.1% YoY -1.0% QoQ
-7.94% 88.34%
+0.3% YoY
65.16%
-1.8% YoY
66.95%
-4.1% YoY
34%
Delinquency Rate ? 2.74%
-5.0% YoY +13.1% QoQ
+1.37% 1.37%
+33.8% YoY
1.61%
+16.3% YoY
0.95%
+18.8% YoY
Bottom 14.4% in tier
Loan-to-Deposit Ratio ? 69.21%
+9.8% YoY -0.7% QoQ
+5.00% 64.22%
-0.7% YoY
73.83%
+1.6% YoY
76.70%
+0.9% YoY
44%
Non-Interest-Bearing Deposit Share ? 17.50%
-8.9% YoY +0.0% QoQ
-6.22% 23.71%
+0.3% YoY
23.68%
-1.7% YoY
22.01%
-1.2% YoY
31%
Nonperforming Asset Ratio ? 2.35%
+35.7% YoY +9.9% QoQ
+1.57% 0.79%
+28.2% YoY
1.12%
+15.3% YoY
0.67%
+19.3% YoY
Bottom 8.5% in tier
Tier 1 Capital Ratio ? 10.39%
+4.9% YoY -2.7% QoQ
-16.29% 26.68%
+2.0% YoY
14.36%
-1.8% YoY
17.06%
+0.8% YoY
Bottom 8.9% in tier
Non-Interest Income / Assets ? 0.12%
+164.0% YoY -79.2% QoQ
-0.54% 0.67%
+1.9% YoY
0.15%
-5.6% YoY
0.32%
+4.1% YoY
78%

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 (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

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 541 peers in under $100M

Top Strengths (3 metrics)

101
Total Deposits
size
Value: $74.42M
Peer Median: $51.74M
#101 of 541 Top 18.5% in under $100M
117
Total Loans
size
Value: $51.51M
Peer Median: $34.25M
#117 of 541 Top 21.4% in under $100M
121
Non-Interest Income / Assets
revenue_mix
Value: 0.12%
Peer Median: 0.67%
#121 of 541 Top 22.2% in under $100M

Top Weaknesses (3 metrics)

496
Nonperforming Asset Ratio
credit_quality
Value: 2.35%
Peer Median: 0.79%
#496 of 541 Bottom 8.5% in under $100M
494
Tier 1 Capital Ratio
capital
Value: 10.39%
Peer Median: 26.68%
#494 of 541 Bottom 8.9% in under $100M
447
Delinquency Rate
credit_quality
Value: 2.74%
Peer Median: 1.37%
#447 of 521 Bottom 14.4% in under $100M
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