First State Bank

Chartered Bank Active FDIC Insured
Health Score
6.0 / 10

102 N Main St, Noble, OK 73068

Financial Overview

Total Assets $50.2M
Total Deposits $45.6M
Profitability (ROA) 0.37%
Shareholder Return (ROE) 4.03%
Capital Cushion (Eq/Assets) 9.23%
Established 07/04/1902

Financial Health Analysis

First State Bank is a currently active other specialized under 1 billion banking institution headquartered in Noble, Oklahoma. Established in 07/04/1902, this institution operates under regulatory supervision and is fully insured by the FDIC.

As a financial institution, First State Bank manages $50.2M in total assets and holds $45.6M in customer deposits. When evaluating the stability of First State Bank, one of the most critical metrics is its Capital Cushion (Equity-to-Assets Ratio). At 9.23%, this indicates how much financial loss the bank can absorb before depositors' funds are placed at risk. A strong equity cushion is a key indicator of a bank's ability to weather economic downturns.

In terms of operational efficiency, the bank's Return on Assets (ROA) is 0.37%, while its Return on Equity (ROE) sits at 4.03%. These metrics result in a moderate health score of 6.0 out of 10, suggesting standard financial stability and adequate capital levels in line with industry averages.

Risk & Growth Profiles

✓ Clean Regulatory Record

No recent history of FDIC conservatorship or financial failure.

Deposit Momentum

$45.6M avg deposits per branch.

Measures how much capital the bank holds against its physical footprint. A higher ratio indicates a highly liquid, lower-overhead lending profile.

Operations & Contact

Contact

Website: https://www.fsbnoble.com

FDIC Certificate #: 9879

Specialization: Other Specialized Under 1 Billion

Location

102 N Main St

Noble, Oklahoma 73068

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