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The First State Bank

$100M-$1B Specialty: Agricultural OK FDIC cert 2301

Boise City, 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 +10.4% year over year ($139.3M on the books).
  • Delinquency rate 2.14%.
  • Return on assets 2.21%.
  • Efficiency ratio 41.02% vs a 64.48% peer average.
  • Loan-to-deposit ratio 92.77% 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) →

The First State Bank has 3 strengths but faces 6 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

  • + Return on Assets 0.89% above tier average
  • + Efficiency Ratio 23.46% below tier average
  • + Net Interest Margin 0.06% above tier average

Key Concerns

Areas that may need attention

  • - Cost Spiral: Bottom 4.3% in tier
  • - Liquidity Strain: Bottom 24.3% in tier
  • - Capital Thin: Bottom 27.7% in tier
  • - Margin Compression: Bottom 73.9% in tier
  • - Nonperforming Asset Ratio 1.06% above tier average
  • - Delinquency Rate 1.22% above tier average
Get updates when The 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 ? $160.0M
+3.6% YoY +4.0% QoQ
-$226.5M $386.6M
+1.2% YoY
$1.3B
+6.0% YoY
$6.3B
+7.7% YoY
17%
Total Loans ? $129.2M
+4.6% YoY +4.5% QoQ
-$129.2M $258.3M
+1.7% YoY
$835.5M
+7.1% YoY
$3.2B
+9.4% YoY
28%
Total Deposits ? $139.3M
+10.4% YoY +0.2% QoQ
-$187.5M $326.7M
+0.7% YoY
$967.8M
+5.8% YoY
$4.9B
+7.3% YoY
18%
Return on Assets ? 2.21%
-15.6% YoY -6.9% QoQ
+0.89% 1.32%
+10.8% YoY
1.35%
+7.7% YoY
1.30%
+12.1% YoY
Top 8.6% in tier
Net Interest Margin ? 4.05%
-8.0% YoY -1.0% QoQ
+0.06% 3.99%
+5.0% YoY
4.27%
+1.9% YoY
3.95%
+4.9% YoY
56%
Efficiency Ratio ? 41.02%
+17.6% YoY +5.4% QoQ
-23.46% 64.48%
-3.2% YoY
64.81%
-3.0% YoY
70.05%
+2.5% YoY
Top 4.8% in tier
Delinquency Rate ? 2.14%
+248.1% QoQ
+1.22% 0.92%
+15.7% YoY
1.78%
+23.7% YoY
0.98%
+16.3% YoY
Bottom 11.5% in tier
Loan-to-Deposit Ratio ? 92.77%
-5.2% YoY +4.3% QoQ
+14.82% 77.95%
+1.0% YoY
74.14%
+1.3% YoY
79.03%
+2.3% YoY
21%
Non-Interest-Bearing Deposit Share ? 24.06%
+5.1% YoY -19.6% QoQ
+2.03% 22.03%
-0.6% YoY
23.91%
-1.8% YoY
21.98%
-0.6% YoY
63%
Nonperforming Asset Ratio ? 1.73%
+241.7% QoQ
+1.06% 0.67%
+16.4% YoY
1.24%
+23.1% YoY
0.69%
+15.8% YoY
Bottom 9.6% in tier
Tier 1 Capital Ratio ? 9.93%
+1.9% YoY +0.9% QoQ
-5.98% 15.91%
+1.4% YoY
14.18%
-3.9% YoY
17.09%
+0.8% YoY
Bottom 9.6% in tier
Non-Interest Income / Assets ? 0.10%
-12.4% YoY +81.9% QoQ
-0.47% 0.57%
+7.6% YoY
0.31%
-11.7% YoY
0.66%
+5.2% YoY
18%

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 24.1%
+1.2pp YoY
-5.9pp QoQ
 +1.9pp 22.1% 23.9% 22.2% 63%
Brokered Deposits 25.7%
-1.5pp YoY
-2.1pp QoQ
 +17.8pp 7.9% 9.7% 8.5% 95%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
C&I 6.6%
-0.9pp YoY
-1.4pp QoQ
 -5.0pp 11.6% 15.7% 12.5% 30%
CRE n/a n/a 39.5% 42.0% 41.4% n/a
1-4 Family 5.6%
+0.4pp YoY
+0.2pp QoQ
 -27.0pp 32.6% 24.0% 31.3% 6%
Consumer 4.1%
-0.5pp YoY
-0.2pp QoQ
 0.0pp 4.1% 5.6% 5.0% 71%

Capital

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 17.0% 19.7% n/a
Leverage Ratio 9.9%
+0.2pp YoY
+0.1pp QoQ
 -2.2pp 12.2% 11.7% 12.6% 29%
Total Capital Ratio n/a n/a 19.9% 18.2% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Full-Time Employees 15
+2 (+15.4%) YoY
+2 (+15.4%) QoQ
 -44 58 150 482 4%
Assets per Employee ($) $10.7M
-10.2% YoY
-9.9% QoQ
 +$3.2M $7.5M $6.5M $8.8M 89%
Branch Count 1
0 YoY
0 QoQ
 -4 4 8 18 0%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Past Due 90+ Days 0.2%
+0.1pp YoY
-0.4pp QoQ
 -0.2pp 0.3% 0.9% 0.4% 58%
Nonaccrual 2.0%
+1.9pp YoY
+2.0pp QoQ
 +1.1pp 0.9% 1.5% 1.0% 87%
Allowance Coverage 0.31x
-96.5% YoY
-70.4% QoQ
 -23.84x 24.15x 61.99x 20.23x 4%
Net Charge-off Rate (YTD) -0.1%
-0.1pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.2% 0.2% 5%

Profitability

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
ROE 25.0%
-9.1pp YoY
-1.9pp QoQ
 +12.8pp 12.2% 11.9% 11.6% 96%
Cost of Funds (YTD) 2.2%
-0.5pp YoY
0.0pp QoQ
 +0.5pp 1.7% 1.8% 1.7% 80%
Net Income ($, YTD) $1.8M
-9.9% YoY
— QoQ
 -$781K $2.6M $8.7M $40.4M 48%

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 (4)

Cost Spiral

risk
#7 of 138 • Bottom 4.3% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature
Efficiency Ratio: 41.02%
(Tier: 64.48%, National: 70.05%)
better than tier avg
138 of 138 Community banks match · 184 nationally
→ Stable +9 banks QoQ | QoQ rank declining

Liquidity Strain

risk
#169 of 691 • Bottom 24.3% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 92.77%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ

Capital Thin

risk
#184 of 661 • Bottom 27.7% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 9.93%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Margin Compression

decline
#228 of 307 • Bottom 73.9% 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: 2.21%
(Tier: 1.32%, National: 1.30%)
better than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 banks QoQ | QoQ rank improving

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 (2 metrics)

128
Efficiency Ratio
profitability
Value: 41.02%
Peer Median: 64.48%
#128 of 2643 Top 4.8% in $100M-$1B
227
Return on Assets
profitability
Value: 2.21%
Peer Median: 1.32%
#227 of 2643 Top 8.6% in $100M-$1B

Top Weaknesses (7 metrics)

2391
Tier 1 Capital Ratio
capital
Value: 9.93%
Peer Median: 15.91%
#2391 of 2643 Bottom 9.6% in $100M-$1B
2391
Nonperforming Asset Ratio
credit_quality
Value: 1.73%
Peer Median: 0.67%
#2391 of 2643 Bottom 9.6% in $100M-$1B
2330
Delinquency Rate
credit_quality
Value: 2.14%
Peer Median: 0.92%
#2330 of 2633 Bottom 11.5% in $100M-$1B
2194
Total Assets
size
Value: $160.04M
Peer Median: $386.57M
#2194 of 2643 Bottom 17.0% in $100M-$1B
2176
Non-Interest Income / Assets
revenue_mix
Value: 0.10%
Peer Median: 0.57%
#2176 of 2643 Bottom 17.7% in $100M-$1B
2166
Total Deposits
size
Value: $139.25M
Peer Median: $326.73M
#2166 of 2643 Bottom 18.1% in $100M-$1B
2095
Loan-to-Deposit Ratio
liquidity
Value: 92.77%
Peer Median: 77.95%
#2095 of 2643 Bottom 20.8% in $100M-$1B
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