First State Bank
Watonga, OK · Cert 21752 · Peer group: banks under $1B in assets in OK (n=88-89) · First St Bcorp of Watonga Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
$89.8MAssets
$49.9MLoans
$79.2MDeposits
$10.1MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 75% of banks under $1B in assets in OK (rank 22 of 89).
- Widest gap: nonperforming loans / loans trails 58% of banks under $1B in assets in OK (rank 52 of 88).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
1.60%
Rank 23 of 89
Net Interest Margin
4.47%
Rank 22 of 89
Efficiency Ratio
56.55%
Rank 32 of 89
Equity / Assets
11.24%
Rank 43 of 89
Non-interest income vs. expense
Unfavorable gap of $2.1M · efficiency ratio beats 65% 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 | 1.60% | 0.85% | 1.26% | 1.60% | Beats 74% | 23 / 89 | |
| Return on Equity | 14.25% | 7.40% | 11.89% | 14.65% | Beats 73% | 24 / 89 | |
| Net Interest Margin | 4.47% | 3.46% | 3.93% | 4.45% | Beats 75% | 22 / 89 | |
| Efficiency Ratio | 56.55% | 54.70% | 60.95% | 71.14% | Beats 65% | 32 / 89 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.28% | 0.30% | 0.82% | 2.25% | Beats 42% | 52 / 88 | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.03% | 0.20% | Beats 69% | 28 / 88 | |
| Capital |
| Tier 1 Capital Ratio | 13.18% | 10.89% | 13.00% | 16.33% | Beats 58% | 37 / 89 | |
| Total Risk-Based Capital Ratio | 13.18% | 11.20% | 13.06% | 16.33% | Beats 52% | 43 / 89 | |
| Equity / Assets | 11.24% | 9.26% | 10.94% | 13.52% | Beats 52% | 43 / 89 | |
| Liquidity & Funding |
| Loans / Deposits | 62.98% | 61.51% | 72.27% | 84.01% | 32nd pctl | 60 / 88 | |
| Loans / Assets | 55.53% | 52.51% | 63.15% | 71.27% | 34th pctl | 59 / 89 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |