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The First State Bank
Boise City, OK · FDIC Certificate #2301 · Chartered 08/0
Total assets
$160.04M
Total deposits
$139.25M
Total equity
$14.27M
Net loans
$129.19M
Branches (offices)
1
Net income (YTD)
$1.77M
Rank: #3,230 of 4,213 U.S. banks by assets · #111 of 168 in Oklahoma. Assets changed 3.6% and deposits 10.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.21% |
| Return on equity | 24.99% |
| Net interest margin (YTD) | 4.05% |
| Equity to assets | 8.92% |
| Tier 1 leverage ratio | 9.93% |
| Uninsured deposits (share of deposits) | 14.3% |
| Noncurrent loans (share of loans) | 2.13% |
| Net charge-offs (share of loans) | -0.05% |
| Loans to deposits | 92.8% |
| Real estate loans (share of loans) | 47.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $60.76M | 47.0% | |
| Commercial & industrial | $8.49M | 6.6% | |
| Consumer / individual | $5.34M | 4.1% | |
| Construction & development | $53.00K | 0.0% | |
| Agricultural | $54.52M | 42.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $102.21M | $94.78M | $1.06M | $6.92M |
| Jun 2023 | $112.54M | $100.86M | $1.26M | $6.75M |
| Jun 2024 | $141.45M | $125.95M | $1.59M | $10.08M |
| Jun 2025 | $154.47M | $126.09M | $1.97M | $12.59M |
| Jun 2026 | $160.04M | $139.25M | $1.77M | $14.27M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Oklahoma | $139.25M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $139.25M.
Similar-sized banks
First State Bank Of Campbell Hill ($160.07M) · Bank Of Dawson ($159.91M)
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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