TellerScore

First State Bank (FDIC certificate #12757) is based in Valliant, Oklahoma. Its Q2 2026 call report shows $100.3M in total assets and $88.9M in deposits and 4 offices.

Based on its Q2 2026 filing, First State Bank scores 79/100, which we describe as strong. That is higher than 75% of 2,650 banks with $100 million – $1 billion. Among 170 banks headquartered in Oklahoma, it ranks 49th. Its strongest component is problem-loan coverage (95/100; 2.5%), and its lowest is capital cushion (59/100; 10.91%).

TellerScore · Q2 2026

Scorecard

Capital cushion59/100
Tier 1 leverage ratio: 10.91%
Loan quality86/100
Noncurrent loans ÷ total loans: 0.43%
Earnings88/100
Return on assets (annualized): 1.71%
Funding & liquidity82/100
Loans ÷ deposits and uninsured-deposit share: 73.9% · 18.9% uninsured
Problem-loan coverage95/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.50%

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 fell 2 points (81 → 79), mostly because the loan quality component weakened by 11 points.

TellerScore
768084Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202481
Q3 202482
Q4 202483
Q1 202578
Q2 202581
Q3 202581
Q4 202584
Q1 202676
Q2 202679
Tier 1 leverage ratio
5.00%8.05%11.10%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.11%
Q3 202410.42%
Q4 202410.63%
Q1 20259.71%
Q2 202510.12%
Q3 202510.38%
Q4 202511.10%
Q1 202610.26%
Q2 202610.91%
Noncurrent loans
0.08%0.26%0.45%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.10%
Q3 20240.10%
Q4 20240.09%
Q1 20250.09%
Q2 20250.09%
Q3 20250.13%
Q4 20250.08%
Q1 20260.45%
Q2 20260.43%
Return on assets
1.64%1.98%2.32%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.19%
Q3 20242.27%
Q4 20242.32%
Q1 20251.69%
Q2 20251.95%
Q3 20251.95%
Q4 20251.99%
Q1 20261.64%
Q2 20261.71%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202679$100.3M10.91%0.43%1.71%73.9%
Q1 202676$101.0M10.26%0.45%1.64%75.3%
Q4 202584$101.5M11.10%0.08%1.99%78.9%
Q3 202581$98.9M10.38%0.13%1.95%76.5%
Q2 202581$101.9M10.12%0.09%1.95%73.0%
Q1 202578$101.4M9.71%0.09%1.69%76.2%
Q4 202483$97.0M10.63%0.09%2.32%80.1%
Q3 202482$100.1M10.42%0.10%2.27%77.0%
Q2 202481$96.7M10.11%0.10%2.19%80.8%

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 ratio10.91%
49th
Total risk-based capital17.65%
80th
Problem loans0.43%
49th
Net charge-offs0.09%
22nd
Return on assets1.71%
76th
Net interest margin5.92%
98th
Efficiency ratio71.3%
27th
Loans to deposits73.9%
62nd
Uninsured deposits18.9%
68th
Loan-loss reserves1.34%
67th
Texas ratio2.5%
52nd

Similar-size banks in Oklahoma

InstitutionScoreAssetsCapitalProblem loansCompare
American Exchange BankBank Henryetta, OK78 out of 100, Strong$103.7M13.5%1.32%vs
The State Bank of WynnewoodBank Wynnewood, OK97 out of 100, Very strong$111.4M15.6%0.00%vs
Monument BankBank Poteau, OK76 out of 100, Strong$112.8M9.9%0.27%vs
Great Nations BankBank Norman, OK70 out of 100, Strong$113.8M10.3%0.10%vs
First BankBank Erick, OK93 out of 100, Very strong$118.0M14.2%0.27%vs
The Farmers and Merchants National Bank of FairviewBank Fairview, OK66 out of 100, Moderate$118.7M12.2%1.67%vs

Deposit insurance

Is my money safe at First State Bank?

Yes. First State Bank is an FDIC-insured institution (FDIC certificate #12757). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 18.9% of deposits ($16.8M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.91%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 17.65% (benchmark: 10%).

Check how much of your own balance is covered

4 locations

Branches

First State Bank lists 4 offices in 3 cities. Most locations:

  • Broken Bow, OK (2)
  • Idabel, OK (1)
  • Valliant, OK (1)

All branch addresses and map

Identity & history

Profile

Legal name
First State Bank
Type
State-chartered bank
FDIC certificate #
12757
RSSD ID
513854
Primary regulator
FDIC
Holding company
FSB Financial Corp
Established
January 1, 1911
Headquarters
106 N Dalton St, Valliant, OK 74764
Employees
32

Quick answers

First State Bank: common questions

Is First State Bank FDIC insured?

Yes. First State Bank is an FDIC-insured institution (FDIC certificate #12757). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First State Bank's TellerScore?

79 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 #12757 in the FDIC failed bank list.

How many branches does First State Bank have?

4 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Valliant

InstitutionScoreAssetsCapitalProblem loansCompare
Red River Employees Federal Credit UnionCredit union Texarkana, TX77 out of 100, Strong$1.6B13.9%0.94%vs
McCurtain County National BankBank Broken Bow, OK75 out of 100, Strong$384.2M15.7%1.64%vs
FirstBankBank Antlers, OK69 out of 100, Moderate$684.3M10.8%0.82%vs
Farmers Bank & Trust CompanyBank Magnolia, AR61 out of 100, Moderate$3.2B9.9%1.32%vs
The Idabel National BankBank Idabel, OK52 out of 100, Below average$242.3M16.2%8.39%vs