First State Bank
Valliant, OK · Cert 12757 · Peer group: banks under $1B in assets in OK (n=88-89) · FSB Financial Corp.
State charter, non-member · FDIC · 3 branches
Q2 2026
$100.3MAssets
$66.6MLoans
$88.9MDeposits
$10.7MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 97% of banks under $1B in assets in OK (rank 3 of 89).
- Widest gap: net charge-offs / loans trails 84% of banks under $1B in assets in OK (rank 75 of 88).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.35%
Rank 39 of 89
Net Interest Margin
5.71%
Rank 3 of 89
Efficiency Ratio
71.28%
Rank 68 of 89
Equity / Assets
10.63%
Rank 48 of 89
Non-interest income vs. expense
Unfavorable gap of $3.9M · efficiency ratio beats 25% 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 | 1.35% | 0.85% | 1.26% | 1.60% | Beats 56% | 39 / 89 | |
| Return on Equity | 12.70% | 7.40% | 11.89% | 14.65% | Beats 56% | 39 / 89 | |
| Net Interest Margin | 5.71% | 3.46% | 3.93% | 4.45% | Beats 97% | 3 / 89 | |
| Efficiency Ratio | 71.28% | 54.70% | 60.95% | 71.14% | Beats 25% | 68 / 89 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.43% | 0.30% | 0.82% | 2.25% | Beats 67% | 30 / 88 | |
| Net Charge-Offs / Loans | 0.44% | 0.00% | 0.03% | 0.20% | Beats 16% | 75 / 88 | |
| Capital |
| Tier 1 Capital Ratio | 16.40% | 10.89% | 13.00% | 16.33% | Beats 75% | 22 / 89 | |
| Total Risk-Based Capital Ratio | 17.65% | 11.20% | 13.06% | 16.33% | Beats 81% | 17 / 89 | |
| Equity / Assets | 10.63% | 9.26% | 10.94% | 13.52% | Beats 46% | 48 / 89 | |
| Liquidity & Funding |
| Loans / Deposits | 74.90% | 61.51% | 72.27% | 84.01% | 55th pctl | 40 / 88 | |
| Loans / Assets | 66.39% | 52.51% | 63.15% | 71.27% | 56th pctl | 39 / 89 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |