First State Bank in Temple
Temple, OK · Cert 5999 · Peer group: banks under $1B in assets (n=573-620)
State charter, Fed member · FED · 1 branch
Q2 2026
$26.4MAssets
$10.0MLoans
$21.5MDeposits
$4.7MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets (rank 162 of 573).
- Widest gap: nonperforming loans / loans trails 99% of banks under $1B in assets (rank 569 of 573).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.05%
Rank 287 of 620
Net Interest Margin
3.32%
Rank 376 of 620
Efficiency Ratio
68.74%
Rank 323 of 620
Equity / Assets
17.95%
Rank 93 of 620
Non-interest income vs. expense
Unfavorable gap of $638K · efficiency ratio beats 48% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.05% | 0.60% | 1.00% | 1.45% | Beats 54% | 287 / 620 | |
| Return on Equity | 5.88% | 5.30% | 9.30% | 13.29% | Beats 28% | 446 / 620 | |
| Net Interest Margin | 3.32% | 3.02% | 3.53% | 4.04% | Beats 39% | 376 / 620 | |
| Efficiency Ratio | 68.74% | 58.35% | 68.08% | 79.37% | Beats 48% | 323 / 620 | |
| Asset Quality |
| Nonperforming Loans / Loans | 8.60% | 0.09% | 0.47% | 1.27% | Beats 1% | 569 / 573 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 162 / 573 | |
| Capital |
| Tier 1 Capital Ratio | 22.19% | 11.27% | 13.87% | 18.78% | Beats 81% | 120 / 620 | |
| Total Risk-Based Capital Ratio | 22.19% | 11.69% | 14.57% | 19.67% | Beats 80% | 125 / 620 | |
| Equity / Assets | 17.95% | 9.03% | 10.60% | 13.73% | Beats 85% | 93 / 620 | |
| Liquidity & Funding |
| Loans / Deposits | 46.39% | 65.08% | 79.69% | 92.47% | 10th pctl | 524 / 585 | |
| Loans / Assets | 37.93% | 51.85% | 67.17% | 77.86% | 14th pctl | 533 / 620 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |