Firstar Bank
Sallisaw, OK · Cert 19288 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Firstar Financial Corp.
State charter, non-member · FDIC · 11 branches
Q2 2026
$1.2BAssets
$847.4MLoans
$1.1BDeposits
$135.7MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 93% of banks $1B-$10B in assets operating regionally (rank 13 of 176).
- Widest gap: tier 1 capital ratio trails 52% of banks $1B-$10B in assets operating regionally (rank 92 of 176).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.53%
Rank 45 of 176
Net Interest Margin
4.48%
Rank 13 of 176
Efficiency Ratio
58.90%
Rank 85 of 176
Equity / Assets
10.95%
Rank 71 of 176
Non-interest income vs. expense
Unfavorable gap of $28.4M · efficiency ratio beats 52% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.53% | 0.93% | 1.26% | 1.54% | Beats 74% | 45 / 176 | | |
| Return on Equity | 14.01% | 9.26% | 11.89% | 14.46% | Beats 69% | 55 / 176 | | |
| Net Interest Margin | 4.48% | 3.25% | 3.59% | 3.93% | Beats 93% | 13 / 176 | | |
| Efficiency Ratio | 58.90% | 52.79% | 59.55% | 67.66% | Beats 52% | 85 / 176 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.68% | 0.30% | 0.64% | 1.32% | Beats 48% | 93 / 176 | | |
| Net Charge-Offs / Loans | 0.03% | 0.01% | 0.04% | 0.10% | Beats 51% | 87 / 176 | | |
| Capital |
| Tier 1 Capital Ratio | 12.64% | 11.15% | 12.72% | 14.15% | Beats 48% | 92 / 176 | | |
| Total Risk-Based Capital Ratio | 13.70% | 11.81% | 13.63% | 15.33% | Beats 52% | 85 / 176 | | |
| Equity / Assets | 10.95% | 9.16% | 10.35% | 11.80% | Beats 60% | 71 / 176 | | |
| Liquidity & Funding |
| Loans / Deposits | 77.64% | 80.94% | 89.73% | 97.21% | 15th pctl | 149 / 176 | | |
| Loans / Assets | 68.37% | 69.25% | 75.12% | 80.82% | 21st pctl | 139 / 176 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |