First State Bank in Temple (FDIC certificate #5999) is based in Temple, Oklahoma. Its Q2 2026 call report shows $26.4M in total assets and $21.5M in deposits and 1 office.
Based on its Q2 2026 filing, First State Bank in Temple scores 64/100, which we describe as moderate. That is higher than only 24% of 546 banks with under $100 million in assets. Among 170 banks headquartered in Oklahoma, it ranks 116th. Its strongest component is capital cushion (100/100; 22.19%), and its lowest is loan quality (0/100; 8.60%).
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 26 points (90 → 64), mostly because the loan quality component weakened by 97 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 95 |
| Q3 2024 | 95 |
| Q4 2024 | 91 |
| Q1 2025 | 89 |
| Q2 2025 | 90 |
| Q3 2025 | 91 |
| Q4 2025 | 60 |
| Q1 2026 | 62 |
| Q2 2026 | 64 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 20.94% |
| Q3 2024 | 21.46% |
| Q4 2024 | 22.45% |
| Q1 2025 | 23.08% |
| Q2 2025 | 22.69% |
| Q3 2025 | 21.66% |
| Q4 2025 | 22.48% |
| Q1 2026 | 21.98% |
| Q2 2026 | 22.19% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.06% |
| Q2 2025 | 0.08% |
| Q3 2025 | 0.00% |
| Q4 2025 | 7.03% |
| Q1 2026 | 6.34% |
| Q2 2026 | 8.60% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.39% |
| Q3 2024 | 1.33% |
| Q4 2024 | 0.85% |
| Q1 2025 | 0.72% |
| Q2 2025 | 0.82% |
| Q3 2025 | 0.88% |
| Q4 2025 | 0.62% |
| Q1 2026 | 0.95% |
| Q2 2026 | 1.06% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 64 | $26.4M | 22.19% | 8.60% | 1.06% | 45.2% |
| Q1 2026 | 62 | $26.7M | 21.98% | 6.34% | 0.95% | 67.5% |
| Q4 2025 | 60 | $25.7M | 22.48% | 7.03% | 0.62% | 62.4% |
| Q3 2025 | 91 | $26.9M | 21.66% | 0.00% | 0.88% | 37.2% |
| Q2 2025 | 90 | $26.1M | 22.69% | 0.08% | 0.82% | 32.0% |
| Q1 2025 | 89 | $24.3M | 23.08% | 0.06% | 0.72% | 54.3% |
| Q4 2024 | 91 | $23.7M | 22.45% | 0.00% | 0.85% | 48.3% |
| Q3 2024 | 95 | $25.7M | 21.46% | 0.00% | 1.33% | 32.2% |
| Q2 2024 | 95 | $26.2M | 20.94% | 0.00% | 1.39% | 29.7% |
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 |
|---|---|---|---|---|---|
| Bank of ViciBank Vici, OK | 30 out of 100, Low | $28.9M | 10.2% | 12.31% | vs |
| The First National Bank of FletcherBank Fletcher, OK | 65 out of 100, Moderate | $23.4M | 9.9% | 1.07% | vs |
| Farmers and Merchants BankBank Maysville, OK | 71 out of 100, Strong | $22.0M | 10.9% | 1.61% | vs |
| The Hopeton State BankBank Hopeton, OK | 66 out of 100, Moderate | $30.8M | 11.3% | 0.00% | vs |
| Farmers & Merchants BankBank Duke, OK | 79 out of 100, Strong | $20.5M | 11.3% | 0.00% | vs |
| First Summit BankBank Ryan, OK | 55 out of 100, Moderate | $33.8M | 13.7% | 7.11% | vs |
Deposit insurance
Is my money safe at First State Bank in Temple?
Yes. First State Bank in Temple is an FDIC-insured institution (FDIC certificate #5999). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 14.3% of deposits ($3.1M) are above the $250,000 FDIC insurance limit, close to the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 22.19%, 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%).
1 location
Branches
First State Bank in Temple lists 1 office in 1 city. Most locations:
- Temple, OK (1)
Identity & history
Profile
- Legal name
- First State Bank in Temple
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 5999
- RSSD ID
- 325459
- Primary regulator
- FED
- Established
- June 1, 1919
- Headquarters
- 111 South Commercial, Temple, OK 73568
- Website
- www.fstbank.com
- Employees
- 8
Quick answers
First State Bank in Temple: common questions
Is First State Bank in Temple FDIC insured?
Yes. First State Bank in Temple is an FDIC-insured institution (FDIC certificate #5999). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is First State Bank in Temple's TellerScore?
64 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 in Temple ever failed?
There is no failure record for FDIC certificate #5999 in the FDIC failed bank list.
How many branches does First State Bank in Temple have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Temple
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Walters Bank and Trust CompanyBank Walters, OK | 99 out of 100, Very strong | $70.3M | 20.0% | 0.06% | vs |
| Comanche County Federal Credit UnionCredit union Lawton, OK | 96 out of 100, Very strong | $36.4M | 18.8% | 0.00% | vs |
| The First Farmers National Bank of WaurikaBank Waurika, OK | 94 out of 100, Very strong | $55.5M | 19.3% | 0.00% | vs |
| International Bank of CommerceBank Oklahoma City, OK | 88 out of 100, Very strong | $1.6B | 15.5% | 0.66% | 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 |
| Endurance Federal Credit UnionCredit union Duncan, OK | 83 out of 100, Strong | $196.5M | 13.7% | 0.21% | vs |