TellerScore

The First State Bank is a state-chartered bank headquartered in Boise City, Oklahoma, in business for about 111 years. At the end of Q2 2026 it reported $160.0M in total assets and $139.3M in deposits, with 1 office.

Based on its Q2 2026 filing, The First State Bank scores 58/100, which we describe as moderate. That is higher than only 16% of 2,650 banks with $100 million – $1 billion. Among 170 banks headquartered in Oklahoma, it ranks 131st. Its strongest component is earnings (100/100; 2.21%), and its lowest is loan quality (29/100; 2.13%).

TellerScore · Q2 2026

Scorecard

Capital cushion49/100
Tier 1 leverage ratio: 9.93%
Loan quality29/100
Noncurrent loans ÷ total loans: 2.13%
Earnings100/100
Return on assets (annualized): 2.21%
Funding & liquidity67/100
Loans ÷ deposits and uninsured-deposit share: 92.8% · 14.3% uninsured
Problem-loan coverage63/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 18.28%

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 20 points (78 → 58), mostly because the loan quality component weakened by 69 points.

TellerScore
586878Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202472
Q3 202471
Q4 202476
Q1 202571
Q2 202578
Q3 202576
Q4 202576
Q1 202674
Q2 202658
Tier 1 leverage ratio
5.00%7.46%9.93%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.17%
Q3 20249.14%
Q4 20248.78%
Q1 20259.16%
Q2 20259.74%
Q3 20259.87%
Q4 20259.48%
Q1 20269.83%
Q2 20269.93%
Noncurrent loans
0.06%1.09%2.13%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.60%
Q3 20240.52%
Q4 20240.07%
Q1 20250.68%
Q2 20250.06%
Q3 20250.30%
Q4 20250.26%
Q1 20260.61%
Q2 20262.13%
Return on assets
2.05%2.42%2.80%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.37%
Q3 20242.39%
Q4 20242.05%
Q1 20252.80%
Q2 20252.62%
Q3 20252.64%
Q4 20252.45%
Q1 20262.38%
Q2 20262.21%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202658$160.0M9.93%2.13%2.21%92.8%
Q1 202674$153.9M9.83%0.61%2.38%89.0%
Q4 202576$166.8M9.48%0.26%2.45%91.1%
Q3 202576$154.3M9.87%0.30%2.64%95.6%
Q2 202578$154.5M9.74%0.06%2.62%97.9%
Q1 202571$147.7M9.16%0.68%2.80%93.0%
Q4 202476$148.0M8.78%0.07%2.05%95.2%
Q3 202471$147.8M9.14%0.52%2.39%98.0%
Q2 202472$141.4M9.17%0.60%2.37%88.2%

2,650 peers · $100 million – $1 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 ratio9.93%
29th
Total risk-based capital0.00%
24th
Problem loans2.13%
11th
Net charge-offs-0.05%
96th
Return on assets2.21%
91st
Net interest margin4.05%
56th
Efficiency ratio41.0%
95th
Loans to deposits92.8%
21st
Uninsured deposits14.3%
84th
Loan-loss reserves0.66%
6th
Texas ratio18.3%
7th

Similar-size banks in Oklahoma

InstitutionScoreAssetsCapitalProblem loansCompare
The Exchange BankBank Skiatook, OK82 out of 100, Strong$158.4M12.1%0.00%vs
Carson Community BankBank Stilwell, OK71 out of 100, Strong$166.7M12.6%1.43%vs
Security Bank and Trust CompanyBank Miami, OK56 out of 100, Moderate$166.9M8.0%1.41%vs
The Peoples National Bank of ChecotahBank Checotah, OK91 out of 100, Very strong$171.8M16.1%0.53%vs
All Capital BankBank Locust Grove, OK73 out of 100, Strong$176.1M9.5%0.30%vs
The Farmers BankBank Carnegie, OK69 out of 100, Moderate$139.6M11.6%0.32%vs

Deposit insurance

Is my money safe at The First State Bank?

Yes. The First State Bank is an FDIC-insured institution (FDIC certificate #2301). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 14.3% of deposits ($20.0M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.93%, 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

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

  • Boise City, OK (1)

All branch addresses and map

Identity & history

Profile

Legal name
The First State Bank
Type
State-chartered bank
FDIC certificate #
2301
RSSD ID
141350
Primary regulator
FDIC
Established
August 6, 1915
Headquarters
16 Courthouse Square, Boise City, OK 73933
Employees
15

Quick answers

The First State Bank: common questions

Is The First State Bank FDIC insured?

Yes. The First State Bank is an FDIC-insured institution (FDIC certificate #2301). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The First State Bank's TellerScore?

58 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 The First State Bank ever failed?

There is no failure record for FDIC certificate #2301 in the FDIC failed bank list.

How many branches does The First State Bank have?

1 office as of the latest FDIC data.