TellerScore

First State Bank (FDIC certificate #9879) is based in Noble, Oklahoma. Its Q2 2026 call report shows $61.5M in total assets and $56.8M in deposits and 1 office.

First State Bank has a TellerScore of 67 out of 100 (moderate) based on Q2 2026 data — higher than only 30% of its 546 banks with under $100 million in assets. Among 170 banks headquartered in Oklahoma, it ranks 99th. Problem-loan coverage contributes the most (95/100, 2.7%); earnings contributes the least (46/100, 0.64%).

TellerScore · Q2 2026

Scorecard

Capital cushion63/100
Tier 1 leverage ratio: 11.34%
Loan quality75/100
Noncurrent loans ÷ total loans: 0.76%
Earnings46/100
Return on assets (annualized): 0.64%
Funding & liquidity68/100
Loans ÷ deposits and uninsured-deposit share: 30.3% · 44.1% uninsured
Problem-loan coverage95/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.74%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (67 → 67).

TellerScore
526272Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202472
Q3 202465
Q4 202460
Q1 202552
Q2 202567
Q3 202572
Q4 202572
Q1 202666
Q2 202667
Tier 1 leverage ratio
5.00%8.33%11.67%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.09%
Q3 202411.06%
Q4 202411.67%
Q1 202510.92%
Q2 202511.15%
Q3 202511.38%
Q4 202511.04%
Q1 202611.02%
Q2 202611.34%
Noncurrent loans
0.35%1.32%2.29%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.68%
Q3 20241.68%
Q4 20242.29%
Q1 20252.24%
Q2 20250.69%
Q3 20250.48%
Q4 20250.35%
Q1 20260.79%
Q2 20260.76%
Return on assets
0.37%0.79%1.22%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.22%
Q3 20241.04%
Q4 20240.99%
Q1 20250.41%
Q2 20250.67%
Q3 20250.66%
Q4 20250.72%
Q1 20260.37%
Q2 20260.64%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202667$61.5M11.34%0.76%0.64%30.3%
Q1 202666$50.2M11.02%0.79%0.37%37.9%
Q4 202572$52.5M11.04%0.35%0.72%36.4%
Q3 202572$51.1M11.38%0.48%0.66%36.6%
Q2 202567$61.4M11.15%0.69%0.67%30.0%
Q1 202552$51.9M10.92%2.24%0.41%36.4%
Q4 202460$47.5M11.67%2.29%0.99%40.4%
Q3 202465$47.5M11.06%1.68%1.04%40.3%
Q2 202472$59.6M11.09%0.68%1.22%30.5%

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 ratio11.34%
34th
Total risk-based capital0.00%
27th
Problem loans0.76%
40th
Net charge-offs0.00%
58th
Return on assets0.64%
33rd
Net interest margin3.69%
39th
Efficiency ratio80.9%
29th
Loans to deposits30.3%
90th
Uninsured deposits44.1%
6th
Loan-loss reserves1.18%
47th
Texas ratio2.7%
46th

Similar-size banks in Oklahoma

InstitutionScoreAssetsCapitalProblem loansCompare
Peoples Bank and Trust CompanyBank Ryan, OK39 out of 100, Low$61.9M14.4%10.85%vs
Bank360Bank Cordell, OK42 out of 100, Below average$61.0M9.4%3.97%vs
First Bank of ThomasBank Thomas, OK64 out of 100, Moderate$63.2M12.6%2.29%vs
Grant County BankBank Medford, OK81 out of 100, Strong$58.4M15.6%0.12%vs
First Bank and Trust CompanyBank Clinton, OK96 out of 100, Very strong$58.2M16.7%0.02%vs
Fairview Savings and Loan AssociationBank Fairview, OK92 out of 100, Very strong$65.1M20.8%0.00%vs

Deposit insurance

Is my money safe at First State Bank?

Yes. First State Bank is an FDIC-insured institution (FDIC certificate #9879). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 44.1% of deposits ($25.1M) 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 11.34%, 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:

  • Noble, OK (1)

All branch addresses and map

Identity & history

Profile

Legal name
First State Bank
Former names
First State Bank, Noble, Okla.
Type
State-chartered bank
FDIC certificate #
9879
RSSD ID
99853
Primary regulator
FDIC
Holding company
Noble Bancshares Inc
Established
July 4, 1902
Headquarters
102 N Main St, Noble, OK 73068
Employees
11

Quick answers

First State Bank: common questions

Is First State Bank FDIC insured?

Yes. First State Bank is an FDIC-insured institution (FDIC certificate #9879). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First State Bank's TellerScore?

67 out of 100 (Moderate), 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 #9879 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 Noble

InstitutionScoreAssetsCapitalProblem loansCompare
International Bank of CommerceBank Oklahoma City, OK88 out of 100, Very strong$1.6B15.5%0.66%vs
Sooner State BankBank Tuttle, OK86 out of 100, Very strong$354.6M12.8%0.33%vs
Bank 7Bank Oklahoma City, OK86 out of 100, Very strong$1.9B13.9%0.39%vs
U. S. Employees O. C. Federal Credit UnionCredit union Oklahoma City, OK85 out of 100, Very strong$213.5M16.3%0.20%vs
Liberty National BankBank Lawton, OK84 out of 100, Strong$1.3B10.3%0.02%vs
Tinker Federal Credit UnionCredit union Oklahoma City, OK83 out of 100, Strong$6.1B14.7%0.63%vs