First State Bank (22448)

Overview / Commentary
1111 South Muskogee Avenue
Tahlequah, OK 74464

First State Bank (22448) is headquartered in Tahlequah and is the 152nd largest bank in the state of Oklahoma. It is also the 4,421st largest bank in the nation. It was established in 1977 and as of September of 2021, it had grown to 21 employees at 2 locations. First State Bank (22448) has a C+ health rating.


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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. First State Bank (22448) has a relatively low asset base.

Health Grade Components

FDIC Certificate #22448
Year Established1977
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.45%
Return on Equity - YTD3.6%
Annual Interest Income$1.8MM
Assets and Liabilities
AssetsQ3 2021vs Q3 2020$67.9MM$78.2MM
LoansQ3 2021vs Q3 2020$39.9MM$50.7MM
DepositsQ3 2021vs Q3 2020$58.6MM$57.8MM
Equity CapitalQ3 2021vs Q3 2020$8.8MM$8.5MM
Loan Loss AllowanceQ3 2021vs Q3 2020$529.00K$785.00K
Unbacked Noncurrent LoansQ3 2021vs Q3 2020$2.0MM$1.3MM
Real Estate OwnedQ3 2021vs Q3 2020$386.00K$368.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

First State Bank (22448) Savings Account Rates

0.15%$100-Savings Account

First State Bank (22448) Money Market Rates


First State Bank (22448) Checking Account Rates

0.15%$1k-NOW Checking

First State Bank (22448) CD Rates

0.70%*$50k*-60 Month CD
OTHER TIERS: 0.60% $1k - $50k
0.65%*$50k*-48 Month CD
OTHER TIERS: 0.55% $1k - $50k
0.60%*$50k*-36 Month CD
OTHER TIERS: 0.50% $1k - $50k
0.55%*$50k*-24 Month CD
OTHER TIERS: 0.45% $1k - $50k
0.45%*$50k*-18 Month CD
OTHER TIERS: 0.35% $1k - $50k
0.40%*$50k*-12 Month CD
OTHER TIERS: 0.30% $1k - $50k
0.35%*$50k*-6 Month CD
OTHER TIERS: 0.25% $1k - $50k
0.30%*$50k*-3 Month CD
OTHER TIERS: 0.20% $1k - $50k

First State Bank (22448) Locations
First State Bank1111 South Muskogee AvenueTahlequah, OK 74464
Detached Drive-In Branch1307 South MuskogeeTahlequah, OK 74464

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