$89.7M
+7.8%y/y
Percentile by value88th percentileby value
FDIC
ASSETFS
First State Bank
Watonga, OklahomaFDIC Cert #21752
STATEEstablished 19741 branch
Holding company: FIRST ST BCORP OF WATONGA INCRegulator: FDIC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportFirst State Bank reported $89.7M in total assets. Deposits grew 7.44% over the prior year.
Return on assets was 2.15%, compared with an asset-peer median of 0.97%. The leverage ratio was 13.49%.
- Why is Total Assets above asset peers?
- Why is Noncurrent Loan Ratio below asset peers?
- Why is Net Loan Growth, Year over Year above asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$79.4M
+7.4%y/y
Percentile by value90th percentileby value
FDIC
DEP$51.4M
+22.5%y/y
Percentile by value80th percentileby value
FDIC
LNLSNET2.15%
+68 bpsy/y
Peer standing87th percentile
FDIC
NETINC + ROA56.48%
−1,080 bpsy/y
Peer standing82nd percentile
FDIC
NONIX + NIM + NONII + EEFFR13.49%
−21 bpsy/y
Peer standing53rd percentile
FDIC
RBC1AAJPercentiles compare this bank with 590 banks under $100 million.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $82.1M | $72.3M |
| Q3 2021 | $81.3M | $71.4M |
| Q4 2021 | $81.4M | $71.9M |
| Q1 2022 | $81.2M | $73.5M |
| Q2 2022 | $83.7M | $76.9M |
| Q3 2022 | $82.6M | $76.8M |
| Q4 2022 | $86.1M | $79.6M |
| Q1 2023 | $83.5M | $76.2M |
| Q2 2023 | $80.3M | $73.2M |
| Q3 2023 | $78.4M | $71.6M |
| Q4 2023 | $79.6M | $71.6M |
| Q1 2024 | $84.2M | $70M |
| Q2 2024 | $82.5M | $68.1M |
| Q3 2024 | $78.1M | $68.8M |
| Q4 2024 | $78.6M | $70M |
| Q1 2025 | $83.2M | $73.9M |
| Q2 2025 | $84.4M | $74.7M |
| Q3 2025 | $82.9M | $72.7M |
| Q4 2025 | $83.1M | $72.9M |
| Q1 2026 | $89.7M | $79.4M |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $0 |
| Investor CRE | $18.5M |
| Multifamily | $0 |
| Construction | $257K |
| 1–4 family | $1.47M |
| C&I | $6.03M |
| Agriculture | $17.5M |
| Other | $8.95M |
Peer comparison
How this bank compares
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA2.15%87th 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 + ROE18.93%93rd 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 + NIMY4.83%85th 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 + EEFFR56.48%82nd 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+7.44%74th 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+22.45%93rd 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 + LNLSGR0.05%67th 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
RBC1AAJ13.49%53rd 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 + DEPIDOM2.16%47th 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 + ROA2.15%86th 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 + ROE18.93%84th 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 + NIMY4.83%78th 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 + EEFFR56.48%66th 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+7.44%74th 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+22.45%92nd 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 + LNLSGR0.05%85th 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
RBC1AAJ13.49%77th 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 + DEPIDOM2.16%67th 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 + ROA2.15%90th 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 + ROE18.93%95th 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 + NIMY4.83%77th 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 + EEFFR56.48%77th 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+7.44%82nd 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+22.45%92nd 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 + LNLSGR0.05%79th 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
RBC1AAJ13.49%59th 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 + DEPIDOM2.16%50th 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.
Branches & markets
Physical footprint
1 domestic branch reported in the latest Call Report.
FDIC
OFFDOMHistory
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data