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First State Bank in Temple

Temple, OK · Cert 5999

State charter, Fed member · FED · 1 branch

Q2 2026

$26.4MAssets
$10.0MLoans
$21.5MDeposits
$4.7MEquity
Loan mix
77%RE $3.2M10%C&I $0.4M13%Consumer $0.5MQ2 2025Q2 2026
Deposit mix
71%Interest-bearing $15.4M29%Noninterest $6.2MQ2 2025Q2 2026

NIM

4.53%Q2 ’244.56%Q2 ’254.62%Q2 ’26+4%+3%

Non-interest income vs. expense

2.06%Q2 ’242.24%Q2 ’252.20%Q2 ’26+10%-2%

Market Position · Lawton, OK · 2026 SOD (annual) · 0.9% share · #10 of 12 inst. · $0.0B of $2.3B

Executive Summary

  • Earnings: ROA of 1.16%, up 24 bps year over year; NIM at 3.18%.
  • Asset quality: problem loans at 8.60% of loans (+852 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 22.19%, down 50 bps from a year ago.
  • Funding: loans stand at 46.39% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.16%+24 bps YoY

Net Interest Margin (quarter, annualized)

3.18%+11 bps YoY

Efficiency Ratio (quarter, annualized)

66.95%-347 bps YoY

Tier 1 Leverage Ratio

22.19%-50 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.92%1.00%-0.14%0.95%1.16%+24 bps
Return on Equity5.46%5.99%-0.78%5.33%6.54%+108 bps
Net Interest Margin3.07%3.04%3.18%3.47%3.18%+11 bps
Efficiency Ratio70.42%67.86%109.78%70.40%66.95%-347 bps
Non-Interest Burden2.13%2.03%3.50%2.42%2.09%-4 bps
Growth
Asset Growth (YoY)-0.33%4.61%8.22%10.08%1.05%+138 bps
Loan Growth (YoY)6.10%20.24%26.55%30.72%38.58%+3,248 bps
Deposit Growth (YoY)-1.24%5.03%-1.41%5.71%-0.96%+29 bps
Asset Quality
Nonperforming Loans / Loans0.08%0.00%7.03%6.34%8.60%+852 bps
Net Charge-Offs / Loans0.06%0.28%0.00%0.00%0.00%-6 bps
Allowance / Loans3.52%2.92%2.02%1.92%2.60%-92 bps
Allowance Coverage of NPLs42.3xn/a0.3x0.3x0.3x-42.0x
Capital
Tier 1 Leverage Ratio22.69%21.66%22.48%21.98%22.19%-50 bps
Total Risk-Based Capital22.69%21.66%22.48%21.98%22.19%-50 bps
Equity / Assets16.27%17.00%18.00%17.53%17.95%+167 bps
Liquidity & Funding
Loans / Deposits33.15%38.27%63.71%68.80%46.39%+1,323 bps
Liquid Assets / Assets23.67%16.93%0.09%1.01%15.69%-798 bps
CRE / Total Capitaln/a0.63%0.62%0.61%n/an/a