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First State Bank
Watonga, OK · FDIC Certificate #21752 · Chartered 09/0
Total assets
$89.78M
Total deposits
$79.16M
Total equity
$10.10M
Net loans
$48.51M
Branches (offices)
1
Net income (YTD)
$916.00K
Rank: #3,750 of 4,213 U.S. banks by assets · #133 of 168 in Oklahoma. Assets changed 6.4% and deposits 6.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.09% |
| Return on equity | 18.51% |
| Net interest margin (YTD) | 4.80% |
| Equity to assets | 11.24% |
| Tier 1 leverage ratio | 13.18% |
| Uninsured deposits (share of deposits) | 18.8% |
| Noncurrent loans (share of loans) | 1.28% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 61.3% |
| Real estate loans (share of loans) | 53.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $26.16M | 53.9% | |
| Commercial & industrial | $6.63M | 13.7% | |
| Consumer / individual | $2.82M | 5.8% | |
| Construction & development | $406.00K | 0.8% | |
| Agricultural | $9.17M | 18.9% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $83.73M | $76.95M | $374.00K | $6.51M |
| Jun 2023 | $80.33M | $73.15M | $749.00K | $6.83M |
| Jun 2024 | $82.52M | $68.11M | $627.00K | $7.70M |
| Jun 2025 | $84.38M | $74.67M | $624.00K | $8.90M |
| Jun 2026 | $89.78M | $79.16M | $916.00K | $10.10M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Oklahoma | $79.16M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $79.16M.
Similar-sized banks
Belt Valley Bank ($89.92M) · Community State Bank ($89.77M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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