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.

Compiled from official public sources by the publisher.
$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.

FDIC Call Report plate

Cert 5999 · OK C · 64/100

GRADE-C · LOWER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-HEALTHY · ROA-THIN · SIZE-COMMUNITY · BOOK-FULL

  • GRADE-C C (64/100)
  • LOWER-Q #3550/4307
  • PHOTO-FINISH Farmers Bank & Trust · KS
  • TIER1-WELL 22.5% Tier 1
  • TEXAS-HEALTHY 17.7% Texas
  • ROA-THIN 0.62% ROA
  • SIZE-COMMUNITY <$100M
  • BOOK-FULL 9/9 fields

Nearest health peer outside Oklahoma: Farmers Bank & Trust, KS (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around First State Bank in Temple

Lowest and highest poles plus nearest scored peers outside Oklahoma, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Bank of Holly Springs · MS ·…64/100Currie State Bank · MN · near64/100Farmers Bank & Trust · KS · …64/100First State Bank in… · OK · …64/100Ozona Bank · TX · near64/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around First State Bank in Temple · July 2026

What First State Bank in Temple's Call Report plate shows

First State Bank in Temple (FDIC Cert #5999) carries a PlainBankData health grade of C at 64/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,550 of 4,307. Tier 1 capital prints at 22.48%, clearing the 10% well-capitalized line. The Texas Ratio is 17.73%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.62%. Balance-sheet scale is $26M, 4,258th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Farmers Bank & Trust (KS), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around First State Bank in Temple

8 FAILURE resolutions in Oklahoma since 2000 (8 since 2008)

First State Bank in Temple's home state sits in the middle band of post-2000 FAILURE counts (8; 8 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; First State Bank in Temple remains an active FDIC-insured reporter.

  • FIRST NB OF LINDSAY LINDSAY, OK 2024 → FIRST BANK & TRUST CO.
  • THE FREEDOM STATE BANK FREEDOM, OK 2014 → ALVA STATE BANK & TRUST COMPANY
  • THE BANK OF UNION EL RENO, OK 2014 → BANCFIRST

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Oklahoma banks.

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.

0/100100/100National avg77/10064/100
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 Assets

$26M

Total balance-sheet footings

Total Deposits

$19M

Customer-funded liabilities

Net Loans

$12M

Outstanding loan book

Net Income

$158K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 5% 10% 15% 20% 25% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 21.08% 22.48% 23.88%
Basel III capital ratios - First State Bank in Temple

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: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

64 18th percentile higher than 18% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. First State Bank in Temple 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

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 ratios for First State Bank in Temple

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

What these ratios mean →

Profitability metrics: First State Bank in Temple

Return on Assets (ROA)
21st percentile nationally
0.62%
Return on Equity (ROE)
3.63%
Efficiency Ratio
81.59%

What these mean →

Income & expense at First State Bank in Temple

$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.

FDIC Failed Bank List → View First State Bank in Temple on FDIC BankFind →

Top banks in Oklahoma by total assets

Largest banks headquartered in Oklahoma
  1. 1
    BOKF $52.0B

    Tulsa, OK · Grade A

  2. 2
    MidFirst Bank $41.4B

    Oklahoma City, OK · Grade B

  3. 3
    First United Bank and Trust Company $16.3B

    Durant, OK · Grade B

  4. 4
    BancFirst $12.1B

    Oklahoma City, OK · Grade A

  5. 5
    InterBank $5.5B

    Oklahoma City, OK · Grade B

Top 5 banks in Oklahoma ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($26M here), outside Oklahoma so the neighborhood is not state containment.

The Citizens National Bank of Hammond $26M · NY Campus State Bank $26M · IL The First National Bank of Frederick $26M · SD Bank of Lumber City $25M · GA

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.

First State Bank in Temple Call Report profile · FDIC Failed Bank List · Oklahoma FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Oklahoma

All Oklahoma banks →
BankAssetsGradeROA
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%