Total Assets
$26M
Total balance-sheet footings
FDIC Cert #5999 · Temple, Oklahoma · Est. 1919
First State Bank in Temple - FDIC Bank Health Profile
A community-scale look at First State Bank in Temple's own numbers, pulled straight from its quarterly FDIC Call Report.
- $26M
- Total assets
- C
- Health grade · Fair
- 0.62%
- Return on assets
- 22.5%
- Tier 1 capital
Data updated July 2026
The verdict
First State Bank in Temple earns a PlainBankData health grade of C (64/100), with well-capitalized at 22.48% Tier 1, 0.62% ROA, 82% efficiency ratio.
- #4,258
- largest of 4,313 FDIC banks by assets
- 1st
- percentile by asset size, nationally
- 22.48%
- Tier 1 ratio - above the 10% well-capitalized line
- 21st
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How First State Bank in Temple's 64/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
First State Bank in Temple's composite health score
Tier 1 Capital Ratio (22.48%) 40/40
Return on Assets (ROA) (0.62%) 14/25
Texas Ratio (17.73%) 10/20
Efficiency Ratio (81.59%) 0/15
64 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$19M
Customer-funded liabilities
Net Loans
$12M
Outstanding loan book
Net Income
$158K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where First State Bank in Temple ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First State Bank in Temple's score of 64/100 falls in the highlighted band.
First State Bank in Temple's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). First State Bank in Temple's $26M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
22.48% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
22.48%
Texas Ratio
17.73%
Equity Capital
$5M
Profitability metrics
Return on Assets (ROA)
21st percentile nationally
0.62%
Return on Equity (ROE)
3.63%
Efficiency Ratio
81.59%
What the numbers say about First State Bank in Temple
First State Bank in Temple is an FDIC-insured institution (Certificate #5999) headquartered in Temple, Oklahoma, established in 1919. It holds $26M in total assets - 4,258th of 4,313 FDIC-insured banks, $19M in customer deposits, and $12M in net loans. Capital-wise, the Tier 1 ratio sits at 22.48%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 17.73%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of C (64 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
First State Bank in Temple is a community-scale institution -- 168th of 172 FDIC-insured banks headquartered in Oklahoma by asset size. Its modest footprint doesn't diminish its role: community banks this size are typically the primary lender for small local businesses and agricultural borrowers that larger regional banks tend to underserve.
Income & expense breakdown
$1M
Interest Income
$30K
Non-Interest Income
$709K
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. First State Bank in Temple reports a Texas Ratio of 17.73% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
17.73% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Oklahoma by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First State Bank in Temple (FDIC Cert #5999) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Oklahoma
All Oklahoma banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| BOKF, National AssociationTulsa | $52.0B | A | 1.10% |
| MidFirst BankOklahoma City | $41.4B | B | 1.19% |
| First United Bank and Trust CompanyDurant | $16.3B | B | 0.97% |
| BancFirstOklahoma City | $12.1B | A | 1.79% |
| InterBankOklahoma City | $5.5B | B | 3.60% |
| Stride Bank, National AssociationEnid | $4.9B | A | 2.10% |
| RCB BankClaremore | $4.1B | A | 1.32% |
| First Fidelity BankOklahoma City | $2.9B | B | 0.94% |
Frequently asked questions
What is First State Bank in Temple's health grade?▼
First State Bank in Temple receives a health grade of C (64/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is First State Bank in Temple?▼
First State Bank in Temple holds $26M in total assets and $19M in deposits, ranking 4,258th of 4,313 FDIC-insured banks by asset size. It is headquartered in Temple, Oklahoma.
Is my money safe at First State Bank in Temple?▼
Yes, deposits at First State Bank in Temple (Certificate #5999) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is First State Bank in Temple's Tier 1 Capital Ratio?▼
First State Bank in Temple has a Tier 1 Capital Ratio of 22.48%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for First State Bank in Temple?▼
First State Bank in Temple has a Texas Ratio of 17.73%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is First State Bank in Temple?▼
First State Bank in Temple has an Efficiency Ratio of 81.59%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read First State Bank in Temple's profile as a depositor or analyst.
- First State Bank in Temple's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare First State Bank in Temple against other Oklahoma banks before moving funds. Oklahoma banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.