0.95%
+32.1%y/y
Peer standing48th percentile
FDIC
NETINC + ROAFS
First State Bank in Temple
Temple, OklahomaFDIC Cert #5999
STATEEstablished 19191 branch
Holding company: Not reportedRegulator: FED
FDIC
CERT + OFFDOMProfitability, margin & efficiency
Performance
Returns, spread economics, operating efficiency, and growth viewed against this bank's peers.
As of Q1 2026
Returns & margin
Annualized returns and the economics of earning assets and paid funding.
5.33%
+29.1%y/y
Peer standing39th percentile
FDIC
NETINC + ROE0.95%
+20.8%y/y
Peer standing43rd percentile
FDIC
PTAXNETINC + ASSET3.98%
+11.4%y/y
Peer standing59th percentile
FDIC
NIM + NIMY5.67%
+6.8%y/y
Peer standing70th percentile
FDIC
INTINCY2.90%
+3.9%y/y
Peer standing17th percentile
FDIC
EINTEXP + DEPIDOMEfficiency & growth
Operating productivity and year-over-year balance-sheet momentum.
70.40%
−8.9%y/y
Peer standing53rd percentile
FDIC
NONIX + NIM + NONII + EEFFR2.69%
+0.8%y/y
Peer standing59th percentile
FDIC
NONIX + ASSET2.00%
−40.9%y/y
Percentile by value11th percentileby value
FDIC
NONII + NIM+10.08%
+216.9%y/y
Percentile by value84th percentileby value
FDIC
ASSET+5.71%
+154.6%y/y
Percentile by value67th percentileby value
FDIC
DEP+31.44%
+367.2%y/y
Percentile by value95th percentileby value
FDIC
LNLSNETHow this bank compares
Switch cohorts or expand any row to inspect the full distribution.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.95%48th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th −0.66%Median 0.97%90th 2.53%Observations 590
ROE
FDIC
NETINC + ROE5.33%39th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th −4.01%Median 7.76%90th 17.70%Observations 590
NIM
FDIC
NIM + NIMY3.98%59th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.60%Median 3.78%90th 5.00%Observations 591
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR70.40%53rd percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 50.30%Median 71.56%90th 113.91%Observations 590
Deposits YoY
FDIC
DEP+5.71%67th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −6.03%Median +2.56%90th +13.29%Observations 547
Loans YoY
FDIC
LNLSNET+31.44%95th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −8.25%Median +2.70%90th +19.03%Observations 527
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR6.34%4th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.41%90th 3.46%Observations 530
Leverage
FDIC
RBC1AAJ21.98%83rd percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.02%Median 13.02%90th 57.11%Observations 591
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.90%17th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.09%Median 2.13%90th 3.32%Observations 546
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 0%Median 25%90th 129%Observations 281
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.95%26th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.47%Median 1.41%90th 2.27%Observations 173
ROE
FDIC
NETINC + ROE5.33%11th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 4.25%Median 13.17%90th 21.34%Observations 173
NIM
FDIC
NIM + NIMY3.98%41st percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.29%Median 4.15%90th 5.26%Observations 173
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR70.40%27th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 46.22%Median 61.79%90th 86.32%Observations 173
Deposits YoY
FDIC
DEP+5.71%63rd percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −3.24%Median +3.73%90th +13.48%Observations 172
Loans YoY
FDIC
LNLSNET+31.44%94th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −4.68%Median +5.17%90th +21.90%Observations 172
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR6.34%5th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.66%90th 3.87%Observations 172
Leverage
FDIC
RBC1AAJ21.98%99th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.08%Median 10.86%90th 15.50%Observations 173
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.90%32nd percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.47%Median 2.46%90th 3.48%Observations 172
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 38%Median 172%90th 290%Observations 81
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.95%33rd percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th −0.06%Median 1.30%90th 2.16%Observations 40
ROE
FDIC
NETINC + ROE5.33%26th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th −0.50%Median 9.93%90th 18.41%Observations 40
NIM
FDIC
NIM + NIMY3.98%38th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.46%Median 4.33%90th 5.44%Observations 40
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR70.40%46th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 53.74%Median 67.25%90th 104.74%Observations 40
Deposits YoY
FDIC
DEP+5.71%68th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −7.60%Median +3.10%90th +11.50%Observations 39
Loans YoY
FDIC
LNLSNET+31.44%97th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −7.97%Median +2.80%90th +22.11%Observations 39
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR6.34%8th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 1.13%90th 5.39%Observations 39
Leverage
FDIC
RBC1AAJ21.98%95th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.00%Median 12.78%90th 19.76%Observations 40
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.90%18th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.09%Median 2.16%90th 3.11%Observations 39
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 8%Median 43%90th 132%Observations 12
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.