FDIC Cert #12757 · Valliant, Oklahoma · Est. 1911

First State Bank - FDIC Bank Health Profile

A community-scale look at First State Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$102M
Total assets
A
Health grade · Excellent
1.99%
Return on assets
16.8%
Tier 1 capital

Data updated July 2026

The verdict

First State Bank earns a PlainBankData health grade of A (93/100), with well-capitalized at 16.85% Tier 1, profitable at 1.99% ROA, 68% efficiency ratio.

#3,730
largest of 4,313 FDIC banks by assets
13th
percentile by asset size, nationally
16.85%
Tier 1 ratio - above the 10% well-capitalized line
90th
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 12757 · OK A · 93/100

GRADE-A · UPPER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-A A (93/100)
  • UPPER-Q #506/4307
  • PHOTO-FINISH Swedish-American Sta… · KS
  • TIER1-WELL 16.8% Tier 1
  • TEXAS-CLEAN 0.4% Texas
  • ROA-STRONG 1.99% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Oklahoma: Swedish-American State Bank, 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

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

Morgan Stanley Bank,… · UT ·…100/100Commercial Bank · KS · near93/100Farmers State Bank · TX · ne…93/100First State Bank · OK · this…93/100POINTWEST BANK · TX · near93/100Swedish-American Sta… · KS ·…93/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around First State Bank · July 2026

What First State Bank's Call Report plate shows

First State Bank (FDIC Cert #12757) carries a PlainBankData health grade of A at 93/100, 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 #506 of 4,307. Tier 1 capital prints at 16.85%, clearing the 10% well-capitalized line. The Texas Ratio is 0.44%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.99%. Balance-sheet scale is $102M, 3,730th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Swedish-American State Bank (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

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

First State Bank'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 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's 93/100 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 avg77/10093/100
First State Bank's composite health score
Tier 1 Capital Ratio (16.85%) 40/40
Return on Assets (ROA) (1.99%) 25/25
Texas Ratio (0.44%) 20/20
Efficiency Ratio (68.14%) 8/15

93 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$102M

Total balance-sheet footings

Total Deposits

$87M

Customer-funded liabilities

Net Loans

$68M

Outstanding loan book

Net Income

$2M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% 21% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 15.45% 16.85% 18.25%
Basel III capital ratios - First State Bank

Where First State Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First State Bank's score of 93/100 falls in the highlighted band.

First State Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

93 Top 12% higher than 88% 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%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). Below this entry. 90–100: 815 FDIC-insured banks (19%). This entry sits in this band. First State Bank 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'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's $102M falls in the highlighted band.

Safety ratios for First State Bank

Tier 1 capital ratio
Well-capitalized 10%

16.85% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
16.85%
Texas Ratio
0.44%
Equity Capital
$11M

What these ratios mean →

Earnings posture at First State Bank

Return on Assets (ROA)
90th percentile nationally
1.99%
Return on Equity (ROE)
19.20%
Efficiency Ratio
68.14%

What these mean →

Income & expense at First State Bank

$7M
Interest Income
$466K
Non-Interest Income
$4M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. First State Bank reports a Texas Ratio of 0.44% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.44% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View First State Bank 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 ($102M here), outside Oklahoma so the neighborhood is not state containment.

Bar Harbor Savings and Loan Associati… $102M · ME Owingsville Banking Company $101M · KY Northern State Bank of Virginia $101M · MN Citizens Bank & Trust Co. $101M · MS

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First State Bank (FDIC Cert #12757) - 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 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%