TellerScore

First State Bank (FDIC certificate #21752) is based in Watonga, Oklahoma. Its Q2 2026 call report shows $89.8M in total assets and $79.2M in deposits and 1 office.

First State Bank has a TellerScore of 82 out of 100 (strong) based on Q2 2026 data — higher than 70% of its 546 banks with under $100 million in assets. Among 170 banks headquartered in Oklahoma, it ranks 35th. Earnings contributes the most (100/100, 2.09%); loan quality contributes the least (57/100, 1.28%).

TellerScore · Q2 2026

Scorecard

Capital cushion82/100
Tier 1 leverage ratio: 13.18%
Loan quality57/100
Noncurrent loans ÷ total loans: 1.28%
Earnings100/100
Return on assets (annualized): 2.09%
Funding & liquidity94/100
Loans ÷ deposits and uninsured-deposit share: 61.3% · 18.8% uninsured
Problem-loan coverage89/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 5.58%

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 2 points (80 → 82), mostly because the earnings component improved by 19 points.

TellerScore
808793Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202483
Q3 202487
Q4 202490
Q1 202589
Q2 202580
Q3 202583
Q4 202591
Q1 202693
Q2 202682
Tier 1 leverage ratio
5.00%9.38%13.76%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202412.78%
Q3 202412.82%
Q4 202413.76%
Q1 202513.70%
Q2 202513.25%
Q3 202513.43%
Q4 202513.61%
Q1 202613.49%
Q2 202613.18%
Noncurrent loans
0.05%0.66%1.28%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.67%
Q3 20240.32%
Q4 20240.27%
Q1 20250.28%
Q2 20251.17%
Q3 20250.98%
Q4 20250.06%
Q1 20260.05%
Q2 20261.28%
Return on assets
1.46%1.81%2.15%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.53%
Q3 20241.56%
Q4 20241.55%
Q1 20251.46%
Q2 20251.52%
Q3 20251.67%
Q4 20251.73%
Q1 20262.15%
Q2 20262.09%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202682$89.8M13.18%1.28%2.09%61.3%
Q1 202693$89.7M13.49%0.05%2.15%64.8%
Q4 202591$83.1M13.61%0.06%1.73%69.7%
Q3 202583$82.9M13.43%0.98%1.67%59.3%
Q2 202580$84.4M13.25%1.17%1.52%57.6%
Q1 202589$83.2M13.70%0.28%1.46%56.8%
Q4 202490$78.6M13.76%0.27%1.55%60.6%
Q3 202487$78.1M12.82%0.32%1.56%59.3%
Q2 202483$82.5M12.78%0.67%1.53%58.6%

546 peers · Under $100 million in assets

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 ratio13.18%
55th
Total risk-based capital0.00%
27th
Problem loans1.28%
30th
Net charge-offs0.00%
58th
Return on assets2.09%
90th
Net interest margin4.80%
83rd
Efficiency ratio56.5%
79th
Loans to deposits61.3%
57th
Uninsured deposits18.8%
38th
Loan-loss reserves2.70%
91st
Texas ratio5.6%
31st

Similar-size banks in Oklahoma

InstitutionScoreAssetsCapitalProblem loansCompare
Community State BankBank Hennessey, OK41 out of 100, Below average$89.7M7.5%2.85%vs
The State Exchange BankBank Lamont, OK42 out of 100, Below average$89.6M10.7%6.88%vs
The First National Bank of HookerBank Hooker, OK65 out of 100, Moderate$91.2M16.3%2.96%vs
Bank of EufaulaBank Eufaula, OK68 out of 100, Moderate$87.1M12.1%0.46%vs
Southwest Bank of WeatherfordBank Weatherford, OK68 out of 100, Moderate$86.0M13.5%2.47%vs
AllNations BankBank Calumet, OK37 out of 100, Low$84.5M8.3%7.87%vs

Deposit insurance

Is my money safe at First State Bank?

Yes. First State Bank is an FDIC-insured institution (FDIC certificate #21752). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 18.8% of deposits ($14.9M) are above the $250,000 FDIC insurance limit, above the peer median of 16%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 13.18%, 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

1 location

Branches

First State Bank lists 1 office in 1 city. Most locations:

  • Watonga, OK (1)

All branch addresses and map

Identity & history

Profile

Legal name
First State Bank
Type
State-chartered bank
FDIC certificate #
21752
RSSD ID
965051
Primary regulator
FDIC
Holding company
First St Bcorp of Watonga Inc
Established
September 5, 1974
Headquarters
321 W Main St, Watonga, OK 73772
Employees
15

Quick answers

First State Bank: common questions

Is First State Bank FDIC insured?

Yes. First State Bank is an FDIC-insured institution (FDIC certificate #21752). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First State Bank's TellerScore?

82 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 #21752 in the FDIC failed bank list.

How many branches does First State Bank have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Watonga

InstitutionScoreAssetsCapitalProblem loansCompare
Bank 7Bank Oklahoma City, OK86 out of 100, Very strong$1.9B13.9%0.39%vs
Community State Bank of CantonBank Canton, OK83 out of 100, Strong$73.0M12.9%0.34%vs
Wisdom Heritage BankBank Alva, OK78 out of 100, Strong$601.3M14.2%1.28%vs
Bank of HydroBank Hydro, OK76 out of 100, Strong$180.8M11.6%0.64%vs
Bank of Western OklahomaBank Elk City, OK73 out of 100, Strong$469.7M8.1%0.11%vs
High Plains BankBank Okeene, OK71 out of 100, Strong$330.2M10.8%0.97%vs