First State Bank (FDIC certificate #22448) is based in Tahlequah, Oklahoma. Its Q2 2026 call report shows $82.1M in total assets and $74.1M in deposits and 2 offices.
Based on its Q2 2026 filing, First State Bank scores 49/100, which we describe as below average. That is higher than only 9% of 546 banks with under $100 million in assets. Among 170 banks headquartered in Oklahoma, it ranks 147th. Its strongest component is funding & liquidity (91/100; 69% loans-to-deposits, 9% uninsured), and its lowest is loan quality (25/100; 2.25%).
TellerScore · Q2 2026
Scorecard
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 4 points (53 → 49), mostly because the problem-loan coverage component weakened by 15 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 46 |
| Q3 2024 | 48 |
| Q4 2024 | 42 |
| Q1 2025 | 42 |
| Q2 2025 | 53 |
| Q3 2025 | 66 |
| Q4 2025 | 50 |
| Q1 2026 | 46 |
| Q2 2026 | 49 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.87% |
| Q3 2024 | 10.43% |
| Q4 2024 | 9.94% |
| Q1 2025 | 9.90% |
| Q2 2025 | 10.27% |
| Q3 2025 | 10.85% |
| Q4 2025 | 10.68% |
| Q1 2026 | 10.39% |
| Q2 2026 | 10.37% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 2.39% |
| Q3 2024 | 2.28% |
| Q4 2024 | 2.85% |
| Q1 2025 | 2.85% |
| Q2 2025 | 1.97% |
| Q3 2025 | 0.95% |
| Q4 2025 | 2.39% |
| Q1 2026 | 2.70% |
| Q2 2026 | 2.25% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.11% |
| Q3 2024 | 0.06% |
| Q4 2024 | 0.22% |
| Q1 2025 | 0.23% |
| Q2 2025 | 0.40% |
| Q3 2025 | 0.75% |
| Q4 2025 | 0.58% |
| Q1 2026 | 0.50% |
| Q2 2026 | 0.33% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 49 | $82.1M | 10.37% | 2.25% | 0.33% | 69.2% |
| Q1 2026 | 46 | $82.4M | 10.39% | 2.70% | 0.50% | 69.2% |
| Q4 2025 | 50 | $80.8M | 10.68% | 2.39% | 0.58% | 69.7% |
| Q3 2025 | 66 | $81.1M | 10.85% | 0.95% | 0.75% | 65.4% |
| Q2 2025 | 53 | $83.2M | 10.27% | 1.97% | 0.40% | 68.8% |
| Q1 2025 | 42 | $87.4M | 9.90% | 2.85% | 0.23% | 63.0% |
| Q4 2024 | 42 | $86.0M | 9.94% | 2.85% | 0.22% | 62.8% |
| Q3 2024 | 48 | $83.4M | 10.43% | 2.28% | 0.06% | 63.2% |
| Q2 2024 | 46 | $78.8M | 10.87% | 2.39% | -0.11% | 67.3% |
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).
Similar-size banks in Oklahoma
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Farmers and Merchants BankBank Arnett, OK | 85 out of 100, Very strong | $80.3M | 13.0% | 0.42% | vs |
| AllNations BankBank Calumet, OK | 37 out of 100, Low | $84.5M | 8.3% | 7.87% | vs |
| Southwest Bank of WeatherfordBank Weatherford, OK | 68 out of 100, Moderate | $86.0M | 13.5% | 2.47% | vs |
| Bank of EufaulaBank Eufaula, OK | 68 out of 100, Moderate | $87.1M | 12.1% | 0.46% | vs |
| The State Exchange BankBank Lamont, OK | 42 out of 100, Below average | $89.6M | 10.7% | 6.88% | vs |
| Community State BankBank Hennessey, OK | 41 out of 100, Below average | $89.7M | 7.5% | 2.85% | vs |
Deposit insurance
Is my money safe at First State Bank?
Yes. First State Bank is an FDIC-insured institution (FDIC certificate #22448). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 8.9% of deposits ($6.6M) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.37%, 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%).
2 locations
Branches
First State Bank lists 1 office in 1 city. Most locations:
- Tahlequah, OK (1)
Identity & history
Profile
- Legal name
- First State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 22448
- RSSD ID
- 522454
- Primary regulator
- FDIC
- Holding company
- Maxlou Bancshares Inc
- Established
- April 13, 1977
- Headquarters
- 1111 S Muskogee Ave, Tahlequah, OK 74464
- Website
- www.fsbtahlequah.com
- Employees
- 20
Quick answers
First State Bank: common questions
Is First State Bank FDIC insured?
Yes. First State Bank is an FDIC-insured institution (FDIC certificate #22448). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is First State Bank's TellerScore?
49 out of 100 (Below average), 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 #22448 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 Tahlequah
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First BankBank Erick, OK | 93 out of 100, Very strong | $118.0M | 14.2% | 0.27% | vs |
| Muskogee Federal Credit UnionCredit union Muskogee, OK | 87 out of 100, Very strong | $112.0M | 12.8% | 0.58% | vs |
| The City National Bank and Trust Company of Lawton, OklahomaBank Lawton, OK | 83 out of 100, Strong | $446.2M | 13.9% | 0.45% | vs |
| Welch State Bank of Welch, Okla.Bank Welch, OK | 76 out of 100, Strong | $449.8M | 10.2% | 0.36% | vs |
| Armstrong BankBank Muskogee, OK | 74 out of 100, Strong | $2.8B | 10.4% | 0.25% | vs |
| Ttcu Federal Credit UnionCredit union Tulsa, OK | 73 out of 100, Strong | $2.7B | 13.4% | 1.49% | vs |