First State Bank in Temple
Temple, OK · Cert 5999 · Peer group: banks under $1B in assets (n=581-629)
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 158 of 581).
- Widest gap: nonperforming loans / loans trails 99% of banks under $1B in assets (rank 577 of 581).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.05%
Rank 297 of 629
Net Interest Margin
3.32%
Rank 387 of 629
Efficiency Ratio
68.74%
Rank 330 of 629
Equity / Assets
17.95%
Rank 95 of 629
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% | 1.01% | 1.45% | Beats 53% | 297 / 629 | |
| Return on Equity | 5.88% | 5.38% | 9.30% | 13.28% | Beats 27% | 457 / 629 | |
| Net Interest Margin | 3.32% | 3.03% | 3.54% | 4.05% | Beats 38% | 387 / 629 | |
| Efficiency Ratio | 68.74% | 58.35% | 67.79% | 79.08% | Beats 48% | 330 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 8.60% | 0.09% | 0.46% | 1.20% | Beats 1% | 577 / 581 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 22.19% | 11.24% | 13.84% | 18.77% | Beats 81% | 119 / 629 | |
| Total Risk-Based Capital Ratio | 22.19% | 11.58% | 14.43% | 19.66% | Beats 80% | 126 / 629 | |
| Equity / Assets | 17.95% | 9.09% | 10.65% | 13.80% | Beats 85% | 95 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 46.39% | 67.24% | 80.90% | 93.48% | 9th pctl | 538 / 594 | |
| Loans / Assets | 37.93% | 53.31% | 67.71% | 78.15% | 14th pctl | 543 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |