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First State Bank
Valliant, OK · FDIC Certificate #12757 · Chartered 01/0
Total assets
$100.25M
Total deposits
$88.86M
Total equity
$10.66M
Net loans
$65.67M
Branches (offices)
3
Net income (YTD)
$862.00K
Rank: #3,675 of 4,213 U.S. banks by assets · #130 of 168 in Oklahoma. Assets changed -1.6% and deposits -2.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.71% |
| Return on equity | 16.00% |
| Net interest margin (YTD) | 5.92% |
| Equity to assets | 10.63% |
| Tier 1 leverage ratio | 10.91% |
| Uninsured deposits (share of deposits) | 18.9% |
| Noncurrent loans (share of loans) | 0.43% |
| Net charge-offs (share of loans) | 0.09% |
| Loans to deposits | 73.9% |
| Real estate loans (share of loans) | 62.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $41.17M | 62.7% | |
| Commercial & industrial | $9.45M | 14.4% | |
| Consumer / individual | $8.19M | 12.5% | |
| Construction & development | $5.79M | 8.8% | |
| Agricultural | $7.74M | 11.8% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $99.99M | $91.68M | $485.00K | $8.11M |
| Jun 2023 | $95.59M | $85.78M | $867.00K | $8.62M |
| Jun 2024 | $96.74M | $86.58M | $1.04M | $9.45M |
| Jun 2025 | $101.90M | $91.18M | $975.00K | $9.97M |
| Jun 2026 | $100.25M | $88.86M | $862.00K | $10.66M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Oklahoma | $88.86M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $88.86M.
Similar-sized banks
West Plains Savings And Loan Association ($100.50M) · Bank Of The Mountains, Inc. ($100.02M)
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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