TellerScore

First State Bank is a state-chartered bank (fed member) headquartered in Anadarko, Oklahoma, in business for about 117 years. At the end of Q2 2026 it reported $139.6M in total assets and $130.5M in deposits, with 2 offices.

Based on its Q2 2026 filing, First State Bank scores 74/100, which we describe as strong. That is higher than 57% of 2,650 banks with $100 million – $1 billion. Among 170 banks headquartered in Oklahoma, it ranks 66th. Its strongest component is problem-loan coverage (97/100; 1.5%), and its lowest is earnings (62/100; 1.05%).

TellerScore · Q2 2026

Scorecard

Capital cushion62/100
Tier 1 leverage ratio: 11.21%
Loan quality89/100
Noncurrent loans ÷ total loans: 0.34%
Earnings62/100
Return on assets (annualized): 1.05%
Funding & liquidity71/100
Loans ÷ deposits and uninsured-deposit share: 30.6% · 41.4% uninsured
Problem-loan coverage97/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.46%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 3 points (71 → 74), mostly because the loan quality component improved by 7 points.

TellerScore
687275Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202473
Q3 202474
Q4 202468
Q1 202572
Q2 202571
Q3 202575
Q4 202569
Q1 202674
Q2 202674
Tier 1 leverage ratio
5.00%8.64%12.28%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.92%
Q3 202412.28%
Q4 202411.88%
Q1 202511.47%
Q2 202511.50%
Q3 202511.81%
Q4 202511.42%
Q1 202611.08%
Q2 202611.21%
Noncurrent loans
0.34%0.44%0.53%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.48%
Q3 20240.50%
Q4 20240.47%
Q1 20250.45%
Q2 20250.53%
Q3 20250.40%
Q4 20250.43%
Q1 20260.39%
Q2 20260.34%
Return on assets
0.35%0.82%1.28%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.84%
Q3 20240.80%
Q4 20240.35%
Q1 20250.87%
Q2 20250.88%
Q3 20250.94%
Q4 20250.55%
Q1 20261.28%
Q2 20261.05%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202674$139.6M11.21%0.34%1.05%30.6%
Q1 202674$143.6M11.08%0.39%1.28%27.0%
Q4 202569$146.5M11.42%0.43%0.55%27.2%
Q3 202575$130.5M11.81%0.40%0.94%30.3%
Q2 202571$131.1M11.50%0.53%0.88%26.4%
Q1 202572$133.9M11.47%0.45%0.87%25.1%
Q4 202468$132.4M11.88%0.47%0.35%25.4%
Q3 202474$120.9M12.28%0.50%0.80%26.1%
Q2 202473$120.5M11.92%0.48%0.84%27.2%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.21%
54th
Total risk-based capital0.00%
24th
Problem loans0.34%
54th
Net charge-offs0.09%
20th
Return on assets1.05%
37th
Net interest margin2.55%
3rd
Efficiency ratio60.0%
57th
Loans to deposits30.6%
98th
Uninsured deposits41.4%
9th
Loan-loss reserves2.50%
97th
Texas ratio1.5%
64th

Similar-size banks in Oklahoma

InstitutionScoreAssetsCapitalProblem loansCompare
The Farmers BankBank Carnegie, OK69 out of 100, Moderate$139.6M11.6%0.32%vs
Security First National Bank of HugoBank Hugo, OK48 out of 100, Below average$137.7M10.4%4.15%vs
The First Bank of OkarcheBank Okarche, OK89 out of 100, Very strong$137.5M16.1%1.04%vs
ACB BankBank Cherokee, OK64 out of 100, Moderate$135.5M12.2%1.77%vs
SSB BankBank Spiro, OK80 out of 100, Strong$129.9M17.0%0.09%vs
SNB Bank, National AssociationBank Shattuck, OK36 out of 100, Low$129.4M11.8%6.18%vs

Deposit insurance

Is my money safe at First State Bank?

Yes. First State Bank is an FDIC-insured institution (FDIC certificate #12283). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 41.4% of deposits ($54.1M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.21%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

2 locations

Branches

First State Bank lists 2 offices in 2 cities. Most locations:

  • Anadarko, OK (1)
  • Gracemont, OK (1)

All branch addresses and map

Identity & history

Profile

Legal name
First State Bank
Type
State-chartered bank (Fed member)
FDIC certificate #
12283
RSSD ID
41553
Primary regulator
FED
Established
February 5, 1909
Headquarters
102 W Main St, Anadarko, OK 73005
Employees
21

Quick answers

First State Bank: common questions

Is First State Bank FDIC insured?

Yes. First State Bank is an FDIC-insured institution (FDIC certificate #12283). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First State Bank's TellerScore?

74 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has First State Bank ever failed?

There is no failure record for FDIC certificate #12283 in the FDIC failed bank list.

How many branches does First State Bank have?

2 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Anadarko

InstitutionScoreAssetsCapitalProblem loansCompare
International Bank of CommerceBank Oklahoma City, OK88 out of 100, Very strong$1.6B15.5%0.66%vs
Liberty National BankBank Lawton, OK84 out of 100, Strong$1.3B10.3%0.02%vs
The City National Bank and Trust Company of Lawton, OklahomaBank Lawton, OK83 out of 100, Strong$446.2M13.9%0.45%vs
Shamrock Bank, N.A.Bank Coalgate, OK79 out of 100, Strong$501.5M10.8%0.29%vs
Bank of HydroBank Hydro, OK76 out of 100, Strong$180.8M11.6%0.64%vs
Cooperative EmployeesCredit union Anadarko, OK73 out of 100, Strong$10.0M10.4%0.00%vs