First State Bank
Anadarko, OK · Cert 12283 · Peer group: banks under $1B in assets in OK (n=88-89)
State charter, Fed member · FED · 2 branches
Q2 2026
$139.6MAssets
$40.9MLoans
$130.5MDeposits
$8.4MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 72% of banks under $1B in assets in OK (rank 26 of 88).
- Widest gap: net interest margin trails 99% of banks under $1B in assets in OK (rank 88 of 89).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.84%
Rank 68 of 89
Net Interest Margin
2.34%
Rank 88 of 89
Efficiency Ratio
60.02%
Rank 42 of 89
Equity / Assets
6.02%
Rank 86 of 89
Non-interest income vs. expense
Unfavorable gap of $1.7M · efficiency ratio beats 54% of banks under $1B in assets in OK | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.84% | 0.85% | 1.26% | 1.60% | Beats 24% | 68 / 89 | | |
| Return on Equity | 14.03% | 7.40% | 11.89% | 14.65% | Beats 70% | 27 / 89 | | |
| Net Interest Margin | 2.34% | 3.46% | 3.93% | 4.45% | Beats 1% | 88 / 89 | | |
| Efficiency Ratio | 60.02% | 54.70% | 60.95% | 71.14% | Beats 54% | 42 / 89 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.34% | 0.30% | 0.82% | 2.25% | Beats 72% | 26 / 88 | | |
| Net Charge-Offs / Loans | 0.05% | 0.00% | 0.03% | 0.20% | Beats 42% | 52 / 88 | | |
| Capital |
| Tier 1 Capital Ratio | 11.21% | 10.89% | 13.00% | 16.33% | Beats 27% | 65 / 89 | | |
| Total Risk-Based Capital Ratio | 11.21% | 11.20% | 13.06% | 16.33% | Beats 26% | 66 / 89 | | |
| Equity / Assets | 6.02% | 9.26% | 10.94% | 13.52% | Beats 3% | 86 / 89 | | |
| Liquidity & Funding |
| Loans / Deposits | 31.34% | 61.51% | 72.27% | 84.01% | 5th pctl | 84 / 88 | | |
| Loans / Assets | 29.29% | 52.51% | 63.15% | 71.27% | 7th pctl | 83 / 89 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |