First State Bank
Watonga, OK
IDRSSD: 965051
Total Assets
$82.90M
Latest filing
Total Deposits
$72.68M
Latest filing
Net Interest Margin
4.96%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
First State Bank
321 W Main St
Watonga, OK 73772
Full Service - Brick and Mortar
Updated 11/14/2025Established 09/05/1974FDIC Certificate 15059
Branches (0)
Page 1 of 1| Name | Address | City / State | ||
|---|---|---|---|---|
| No branch data available. | ||||
| First State Bank (Main) | 321 W Main St | Watonga, OK | ||
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 09/05/1974 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 73772 |
| State and County Number | 40011 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 10 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 16 |
| Domestic Offices | 1 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 09/05/1974 |
| Primary Insurance Agency | DIF |
| Website | www.fsbwatonga.com |
| Data Updated | 11/14/2025 |
| CERT | 21752 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $82.90M |
| Total Deposits | $72.68M |
| Total Liabilities | $73.55M |
| Total Equity Capital | $9.35M |
| Net Income | $409.00k |
| Net Loans and Leases | $43.12M |
| Assets Per Employee ($Millions) | $5.53M |
| Bank Premises and Fixed Assets | $802.00k |
| Cash and Balances due from Depository Institutions | $9.47M |
| Deposits Held in Domestic Offices | $72.68M |
Key Performance Ratios
| Return on Assets (ROA) | 1.96% |
| Return on Equity (ROE) | 17.93% |
| Net Interest Margin | 4.96% |
| Efficiency Ratio | 58.24% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.11% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.281% |
| Earning Assets to total Assets | 94.84% |
Income and Expense
| Total Interest Income | $1.28M |
| Total Noninterest Income | $53.00k |
| Total Interest Expense | $301.00k |
| Total Noninterest Expense | $604.00k |
| Net Interest Income | $984.00k |
| Pre-tax Net Operating Income | $409.00k |
| Provision for Credit Losses | $24.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $2.51M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $868.00k |
| Total Liabilities and Capital | $82.90M |
Securities
| Securities | $24.58M |
| Available-for-sale debt securities | $24.58M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First State Bank?
$82.90M as of the latest filing.
How much are First State Bank's total deposits?
$72.68M in total deposits.
Where is First State Bank located?
Watonga, OK.
What is the Net Interest Margin?
4.96%.
How many domestic offices does it operate?
1.
When was it established?
09/05/1974.
What is the Return on Assets (ROA)?
1.96%.
How much are total loans and leases?
$43.12M (latest filing).
What is the total interest income (latest filing)?
$1.28M.