The First State Bank
Pond Creek, OK·RSSD 644057·FDIC 11527·bank:644057·CBLR opted in
- #158 of 171Total assets in Oklahoma
- 2offices
- 14employees
- Top 6%Net interest margin vs. peers
Performance over time
23 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
FDIC reported categories · Shares of reported gross loans. Missing components are not treated as zero.
No material changes against peers this quarter
0 of 26 FORFI signals stand out against 583 similar banks, based on FDIC data for the quarter.
Where The First State Bank differs most from peers
Net interest margin among the highest of similar banksContext: Earnings5.45%peers 3.94%+152 bps
The First State Bank's net interest margin was 5.45%, compared with a median of 3.94% among 572 similar banks: higher than 94% of them.
| This institution | Peer median | Difference |
|---|---|---|
| Net interest margin | ||
| 5.45% | 3.94% | +152 bps |
Not a flagged change: this is where the institution sits furthest from similar institutions this quarter. Peers: 583 banks with under $100 million in assets that filed FDIC data for the same quarter. The First State Bank itself is left out of every peer median and percentile. How signals work
Reliance on CDs falling while the peer median risesContext: Funding29.4%peers 33.1%-3.7 pp
The First State Bank's time deposits' share of deposits fell 4.1 percentage points over the past year to 29.4%. Among 534 similar banks, the median rose 0.2 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Time deposits' share of deposits | ||
| 29.4% | 33.1% | -3.7 pp |
| 12-month change | ||
| -4.1 pp | +0.2 pp | -4.3 pp |
Not a flagged change: this is where the institution sits furthest from similar institutions this quarter. Peers: 583 banks with under $100 million in assets that filed FDIC data for the same quarter. The First State Bank itself is left out of every peer median and percentile. How signals work
Loan-to-deposit ratio among the highest of similar banksContext: Liquidity98.3%peers 66.9%+31.4 pp
The First State Bank's loans as a share of deposits was 98.3%, compared with a median of 66.9% among 544 similar banks: higher than 88% of them.
| This institution | Peer median | Difference |
|---|---|---|
| Loans as a share of deposits | ||
| 98.3% | 66.9% | +31.4 pp |
Not a flagged change: this is where the institution sits furthest from similar institutions this quarter. Peers: 583 banks with under $100 million in assets that filed FDIC data for the same quarter. The First State Bank itself is left out of every peer median and percentile. How signals work
Key facts
- The First State Bank is a bank headquartered in Pond Creek, Oklahoma. It reported $55.5 million in total assets for the quarter ended June 30, 2026.
- Deposits totaled $47.9 million, down 3.9% from a year earlier, and loans totaled $47.1 million, up 5.1%.
- Its net interest margin was 5.45% and its annualized return on assets was 1.80% for the quarter.
- Its cost of all deposits was 1.59%, compared with a median of 1.51% among 538 similar banks with under $100 million in assets.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With The First State Bank's own data, FORFI would look at: Which relationships and products drive the change in earnings, and where pricing has drifted.
Analysis workspaces
Sources and identifiers
- Institution
- The First State Bank · Bank
- Federal Reserve RSSD
- 644057
- FDIC certificate
- 11527
- Reporting period
- Peer group
- 583 banks with under $100 million in assets that filed FDIC data for the same quarter. The First State Bank itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
FDIC · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation | FDIC published reference |
|---|---|---|
| $262K | — | |
| $956K | — | |
| $200K | — | |
| $756K | — | |
| $38K | — | |
| $532K | — | |
| $0 | — | |
| $0 | — | |
| 1.80% | 1.80%ROAQ · Quarter | |
| 5.45% | 5.44%NIMYQ · Quarter | |
| 67.00% | 67.00%EEFFQR · adjusted · Quarter |
Credit-quality reconciliation · Source components agree. NALNLS (nonaccrual) + P9LNLS (90+ days accruing) = NCLNLS (noncurrent).
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-25T00:32:31.073937+00:00. Separate reference provenance is included in the export.