TellerScore

Firstar Bank (FDIC certificate #19288) is based in Sallisaw, Oklahoma. Its Q2 2026 call report shows $1.2B in total assets and $1.1B in deposits and 11 offices across 2 states.

Based on its Q2 2026 filing, Firstar Bank scores 66/100, which we describe as moderate. That is higher than only 40% of 897 banks with $1 billion – $10 billion. Among 170 banks headquartered in Oklahoma, it ranks 100th. Its strongest component is problem-loan coverage (89/100; 5.3%), and its lowest is capital cushion (40/100; 9.03%).

TellerScore · Q2 2026

Scorecard

Capital cushion40/100
Tier 1 leverage ratio: 9.03%
Loan quality77/100
Noncurrent loans ÷ total loans: 0.68%
Earnings83/100
Return on assets (annualized): 1.58%
Funding & liquidity64/100
Loans ÷ deposits and uninsured-deposit share: 76.9% · 31.9% uninsured
Problem-loan coverage89/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 5.35%

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 (66 → 66).

TellerScore
636770Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202463
Q3 202467
Q4 202466
Q1 202569
Q2 202566
Q3 202568
Q4 202570
Q1 202668
Q2 202666
Tier 1 leverage ratio
5.00%7.25%9.50%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.16%
Q3 20248.89%
Q4 20248.98%
Q1 20259.18%
Q2 20259.22%
Q3 20259.50%
Q4 20259.23%
Q1 20269.21%
Q2 20269.03%
Noncurrent loans
0.13%0.40%0.68%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.19%
Q3 20240.13%
Q4 20240.13%
Q1 20250.40%
Q2 20250.50%
Q3 20250.49%
Q4 20250.48%
Q1 20260.58%
Q2 20260.68%
Return on assets
0.95%1.62%2.29%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.95%
Q3 20241.33%
Q4 20241.36%
Q1 20251.66%
Q2 20251.54%
Q3 20251.67%
Q4 20252.29%
Q1 20261.63%
Q2 20261.58%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202666$1.2B9.03%0.68%1.58%76.9%
Q1 202668$1.3B9.21%0.58%1.63%78.5%
Q4 202570$1.1B9.23%0.48%2.29%92.0%
Q3 202568$1.1B9.50%0.49%1.67%89.5%
Q2 202566$1.1B9.22%0.50%1.54%86.7%
Q1 202569$1.1B9.18%0.40%1.66%83.6%
Q4 202466$1.0B8.98%0.13%1.36%94.9%
Q3 202467$1.1B8.89%0.13%1.33%88.6%
Q2 202463$1.2B8.16%0.19%0.95%80.6%

897 peers · $1 billion – $10 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 ratio9.03%
13th
Total risk-based capital13.70%
50th
Problem loans0.68%
39th
Net charge-offs0.04%
47th
Return on assets1.58%
73rd
Net interest margin4.93%
94th
Efficiency ratio57.7%
55th
Loans to deposits76.9%
74th
Uninsured deposits31.9%
47th
Loan-loss reserves0.99%
29th
Texas ratio5.3%
36th

Similar-size banks in Oklahoma

InstitutionScoreAssetsCapitalProblem loansCompare
Liberty National BankBank Lawton, OK84 out of 100, Strong$1.3B10.3%0.02%vs
First Oklahoma BankBank Jenks, OK61 out of 100, Moderate$1.3B9.1%0.55%vs
Blue Sky BankBank Pawhuska, OK42 out of 100, Below average$1.4B9.1%2.06%vs
Brooks Bank, National AssociationBank Chickasha, OK70 out of 100, Strong$1.1B13.3%2.61%vs
Grand Savings BankBank Grove, OK80 out of 100, Strong$1.0B12.0%0.63%vs
MapleMark BankBank Tulsa, OK59 out of 100, Moderate$1.0B11.6%0.66%vs

Deposit insurance

Is my money safe at Firstar Bank?

Yes. Firstar Bank is an FDIC-insured institution (FDIC certificate #19288). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 31.9% of deposits ($348.2M) are above the $250,000 FDIC insurance limit, close to the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.03%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.70% (benchmark: 10%).

Check how much of your own balance is covered

11 locations

Branches

Firstar Bank lists 11 offices in 9 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Firstar Bank reported 932 home-loan applications under HMDA (LEI 549300VWURV8LBNGQ353): 780 originated ($182,550,000 total), 30 denied, and 120 withdrawn or closed by the applicant. Its denial rate on decided applications was 3.7%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Firstar Bank
Former names
First National Bank, Sallisaw; Firstar Bank, National Association
Type
State-chartered bank
FDIC certificate #
19288
RSSD ID
427353
Primary regulator
FDIC
Holding company
Firstar Financial Corp
Established
November 19, 1964
Headquarters
1720 E Cherokee Ave, Sallisaw, OK 74955
Employees
212

Quick answers

Firstar Bank: common questions

Is Firstar Bank FDIC insured?

Yes. Firstar Bank is an FDIC-insured institution (FDIC certificate #19288). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Firstar Bank's TellerScore?

66 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 Firstar Bank ever failed?

There is no failure record for FDIC certificate #19288 in the FDIC failed bank list.

How many branches does Firstar Bank have?

11 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Sallisaw

InstitutionScoreAssetsCapitalProblem loansCompare
First Security BankBank Searcy, AR92 out of 100, Very strong$8.6B15.6%0.14%vs
Farmers BankBank Greenwood, AR90 out of 100, Very strong$288.7M16.2%0.20%vs
SSB BankBank Spiro, OK80 out of 100, Strong$129.9M17.0%0.09%vs
Grand Savings BankBank Grove, OK80 out of 100, Strong$1.0B12.0%0.63%vs
Centennial BankBank Conway, AR79 out of 100, Strong$24.6B12.6%0.55%vs
The First National Bank of Fort SmithBank Fort Smith, AR78 out of 100, Strong$2.3B11.1%0.44%vs