First State Bank in Temple: how it compares with its peers
Against 11 OK banks with half to twice its assets, First State Bank in Temple's strongest measure in Q2 2026 is efficiency ratio (68.74% vs. a 79.00% peer median). Its weakest relative measure is net interest margin (3.80% vs. 4.35%).
| Measure | First State Bank in Temple | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.06% | 0.86% | Middle third Ahead of 55% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.80% | 4.35% | Bottom third Ahead of 18% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 68.74% | 79.00% | Top third Ahead of 91% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $3.3M | $3.3M | Middle third Ahead of 45% of peers |
| Loans to deposits Net loans and leases over total deposits. | 45.18% | 60.90% | Context |
What it means for lending operations
Its efficiency ratio of 68.74% is better than the 79.00% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Bank of Vici Vici, OK · $29M
- The First National Bank of Fletcher Fletcher, OK · $23M
- Farmers and Merchants Bank Maysville, OK · $22M
- The Hopeton State Bank Hopeton, OK · $31M
- Farmers & Merchants Bank Duke, OK · $21M
Questions about First State Bank in Temple
How big is First State Bank in Temple?
First State Bank in Temple, established in 1919, is headquartered in Temple, OK. It reported $26M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is First State Bank in Temple's return on assets?
1.06% annualized in Q2 2026, against a 0.86% median for 11 OK banks with half to twice its assets, ahead of 55% of them.
What is First State Bank in Temple's efficiency ratio?
68.74% in Q2 2026: it spent about 69 cents in noninterest expense for each dollar of revenue. The peer median is 79.00%, and lower is better.
Is First State Bank in Temple growing its loans?
Net loans grew 39.9% over the year to Q2 2026, while deposits shrank 1.0%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are OK banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Oklahoma bank ranked.