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First State Bank

Anadarko, OK · Cert 12283

State charter, Fed member · FED · 2 branches

Q2 2026

$139.6MAssets
$40.9MLoans
$130.5MDeposits
$8.4MEquity
Loan mix
62%RE $15.3M22%C&I $5.4M17%Consumer $4.2MQ3 2024Q2 2026
Deposit mix
89%Interest-bearing $116.1M11%Noninterest $14.3MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.64%, down 7 bps year over year; NIM at 2.33%.
  • Asset quality: problem loans at 0.34% of loans (-20 bps YoY), with net charge-offs at 0.11%.
  • Capital: tier 1 leverage ratio of 11.21%, down 29 bps from a year ago.
  • Funding: loans stand at 31.34% of deposits as of Q2 2026.

Return on Assets (quarter, annualized)

0.64%-7 bps YoY

Net Interest Margin (quarter, annualized)

2.33%+19 bps YoY

Efficiency Ratio (quarter, annualized)

62.58%-424 bps YoY

Tier 1 Leverage Ratio

11.21%-29 bps YoY

NIM

3.58%Q2 ’243.65%Q2 ’253.79%Q2 ’26+7%+9%

Non-interest income vs. expense

1.69%Q2 ’241.70%Q2 ’251.82%Q2 ’26-1%-4%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.58%-0.95%0.69%0.70%0.82%-0.52%1.01%0.64%-7 bps
Return on Equity11.03%-18.58%15.29%13.50%13.68%-8.44%16.97%10.60%-290 bps
Net Interest Margin1.89%2.05%2.06%2.14%2.27%2.41%2.36%2.33%+19 bps
Efficiency Ratio70.53%137.22%65.60%66.82%60.60%108.67%57.53%62.58%-424 bps
Non-Interest Burden1.21%2.97%1.23%1.30%1.20%2.65%1.09%1.24%-5 bps
Growth
Asset Growth (YoY)9.85%3.22%9.26%8.87%7.90%10.66%7.29%6.46%-241 bps
Loan Growth (YoY)-5.39%-1.10%1.72%4.11%24.65%16.07%14.19%22.58%+1,848 bps
Deposit Growth (YoY)5.16%2.72%7.56%7.41%7.66%8.44%6.20%5.73%-168 bps
Asset Quality
Nonperforming Loans / Loans0.50%0.47%0.45%0.53%0.40%0.43%0.39%0.34%-20 bps
Net Charge-Offs / Loans0.09%0.01%0.00%0.05%-0.01%0.04%0.08%0.11%+6 bps
Allowance / Loans2.63%2.41%2.43%2.36%2.18%2.38%2.45%2.50%+13 bps
Allowance Coverage of NPLs5.3x5.1x5.4x4.4x5.4x5.5x6.3x7.4x+3.0x
Capital
Tier 1 Leverage Ratio12.28%11.88%11.47%11.50%11.81%11.42%11.08%11.21%-29 bps
Total Risk-Based Capital12.28%11.88%11.47%11.50%11.81%11.42%11.08%11.21%-29 bps
Equity / Assets6.36%3.95%5.02%5.39%6.56%5.87%5.98%6.02%+64 bps
Liquidity & Funding
Loans / Deposits26.76%26.02%25.78%27.03%30.98%27.85%27.71%31.34%+431 bps
Liquid Assets / Assets19.92%22.38%24.23%17.40%14.90%16.32%18.11%14.58%-282 bps
CRE / Total Capitaln/an/an/an/a53.78%52.06%58.16%n/an/a