First State Bank, The
Pond Creek, OK · Cert 11527 · Peer group: banks under $1B in assets in OK (n=88-89)
State charter, non-member · FDIC · 2 branches
Q2 2026
$55.5MAssets
$47.1MLoans
$47.9MDeposits
$7.6MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 84% of banks under $1B in assets in OK (rank 14 of 89).
- Widest gap: total risk-based capital ratio trails 56% of banks under $1B in assets in OK (rank 50 of 89).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.62%
Rank 22 of 89
Net Interest Margin
4.87%
Rank 14 of 89
Efficiency Ratio
63.38%
Rank 50 of 89
Equity / Assets
13.63%
Rank 21 of 89
Non-interest income vs. expense
Unfavorable gap of $1.7M · efficiency ratio beats 45% of banks under $1B in assets in OK | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.62% | 0.85% | 1.26% | 1.60% | Beats 75% | 22 / 89 | |
| Return on Equity | 11.88% | 7.40% | 11.89% | 14.65% | Beats 48% | 46 / 89 | |
| Net Interest Margin | 4.87% | 3.46% | 3.93% | 4.45% | Beats 84% | 14 / 89 | |
| Efficiency Ratio | 63.38% | 54.70% | 60.95% | 71.14% | Beats 45% | 50 / 89 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.32% | 0.30% | 0.82% | 2.25% | Beats 73% | 25 / 88 | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.03% | 0.20% | Beats 70% | 27 / 88 | |
| Capital |
| Tier 1 Capital Ratio | 12.78% | 10.89% | 13.00% | 16.33% | Beats 47% | 47 / 89 | |
| Total Risk-Based Capital Ratio | 12.78% | 11.20% | 13.06% | 16.33% | Beats 44% | 50 / 89 | |
| Equity / Assets | 13.63% | 9.26% | 10.94% | 13.52% | Beats 76% | 21 / 89 | |
| Liquidity & Funding |
| Loans / Deposits | 98.30% | 61.51% | 72.27% | 84.01% | 94th pctl | 5 / 88 | |
| Loans / Assets | 84.83% | 52.51% | 63.15% | 71.27% | 94th pctl | 5 / 89 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |