First State Bank
Tahlequah, OK · Cert 22448 · Peer group: banks under $1B in assets in OK (n=88-89) · Maxlou Bancshares Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
$82.1MAssets
$52.0MLoans
$74.1MDeposits
$7.3MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 25% of banks under $1B in assets in OK (rank 67 of 88).
- Widest gap: total risk-based capital ratio trails 89% of banks under $1B in assets in OK (rank 79 of 89).
- Overall: at or above the peer median on 0 of 9 directional measures.
Return on Assets
0.26%
Rank 78 of 89
Net Interest Margin
3.33%
Rank 73 of 89
Efficiency Ratio
80.15%
Rank 74 of 89
Equity / Assets
8.84%
Rank 73 of 89
Non-interest income vs. expense
Unfavorable gap of $2.1M · efficiency ratio beats 18% 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 | 0.26% | 0.85% | 1.26% | 1.60% | Beats 12% | 78 / 89 | |
| Return on Equity | 2.90% | 7.40% | 11.89% | 14.65% | Beats 12% | 78 / 89 | |
| Net Interest Margin | 3.33% | 3.46% | 3.93% | 4.45% | Beats 18% | 73 / 89 | |
| Efficiency Ratio | 80.15% | 54.70% | 60.95% | 71.14% | Beats 18% | 74 / 89 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.25% | 0.30% | 0.82% | 2.25% | Beats 25% | 67 / 88 | |
| Net Charge-Offs / Loans | 0.31% | 0.00% | 0.03% | 0.20% | Beats 20% | 71 / 88 | |
| Capital |
| Tier 1 Capital Ratio | 10.37% | 10.89% | 13.00% | 16.33% | Beats 13% | 77 / 89 | |
| Total Risk-Based Capital Ratio | 10.37% | 11.20% | 13.06% | 16.33% | Beats 11% | 79 / 89 | |
| Equity / Assets | 8.84% | 9.26% | 10.94% | 13.52% | Beats 18% | 73 / 89 | |
| Liquidity & Funding |
| Loans / Deposits | 70.21% | 61.51% | 72.27% | 84.01% | 43rd pctl | 50 / 88 | |
| Loans / Assets | 63.37% | 52.51% | 63.15% | 71.27% | 51st pctl | 44 / 89 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |