First State Bank in Temple

First State Bank in Temple is headquartered in Temple and is the 226^th largest bank in the state of Oklahoma. It is also the 7,119^st largest bank in the nation. It was established in 1919 and as of March of 2012, it had grown to 10 employees at 1 location. First State Bank in Temple has a 5-star health rating.

First State Bank in Temple Routing Number: 103111155

Data for Q1 2012

Institution Statistics First State Bank in Temple FDIC Certificate # 5999 BankRate Report View Year Established 1919 Employees 10 Primary Regulator FED Assets and Liabilities Assets $22.79 million Loans $12.44 million Deposits $16.68 million Equity Capital $4.74 million Loan Loss Allowance $414,000 Unbacked Noncurrent Loans $93,000 Historic Data - March 2011 Assets $21.72 million Equity Capital $4.35 million Loan Loss Allowance $426,000 Unbacked Noncurrent Loans $258,000 Profit Margin - Quarterly Net Interest Margin 5.54% Return on Assets 3.28% Return on Equity 16.23% Interest Income $338,000

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 First State Bank in Temple had $93,000 in non-current loans and owned real-estate with $5.15 million in equity and loan loss allowances on hand to cover it. This gives First State Bank in Temple a Texas Ratio of 1.80% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for First State Bank in Temple decreased significantly from 5.40% as of March 31, 2011 to 1.80% as of March 31, 2012, resulting in a positive change of 66.61%.This indicates that the balance sheet and financial strength for First State Bank in Temple has improved significantly in recent periods. Deposit Growth In the past year, First State Bank in Temple has decreased its total deposits by $-154,000, resulting in -0.91% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth First State Bank in Temple has shown is average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. First State Bank in Temple has $22.79 million in assets with $5.15 million in equity, resulting in a capitalization level of 22.62%, which is excellent.

No reviews have been left for this bank yet. Be the first to review.