First State Bank in Temple

Headquarters

111 South Commercial
Temple, OK 73568
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 1.05% →
1-Year CD N.A. 0.95% →
2-Year CD N.A. 1.05% →
5-Year CD N.A. 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

First State Bank in Temple is an FDIC insured institution located in Temple, OK. It was founded in 1919 and has approximately $0.03 billion in assets.

FDIC Insured Yes
FDIC Certificate # 5999
Date Established 1919
Assets $ 25.41 million
Loans $ 16.63 million
Deposits $ 18.21 million
Capital $ 5.18 million
 

For a more detailed analysis of First State Bank in Temple's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - September 23, 2020

Your Current Location: Connecticut, CT 06828


Loan Rates - September 23, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for First State Bank in Temple

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

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Payment
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Rocket Mortgage
NMLS ID: 3030
4.114% 3.990% 1.00 $3,750 $1,193 Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
2.816% 2.750% 0.88 $2,132 $1,021 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
People's United Bank, N.A.
People's United Bank, N.A.
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4.000 %
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Third Federal Savings and Loans
Third Federal Savings and Loans
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2.990 %
$0 Learn More
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Note to First State Bank in Temple
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Branches

First State Bank in Temple branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Fairfield,Connecticut


First State Bank in Temple Locations


Financial Details

First State Bank in Temple Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of First State Bank in Temple. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
First State Bank in Temple U.S. Bank Average
0.18% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2020, First State Bank in Temple had $10,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $5,178,000 in equity and $467,000 in loans loss reserves. That gives it a Texas Ratio of 0.18%.

Return on Equity
First State Bank in Temple U.S. Bank Average
6.55% 7.80%

First State Bank in Temple has a Return on Equity of 6.55% versus the BestCashCow average of 7.80%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
First State Bank in Temple U.S. Bank Average
20.38% 12.68%

First State Bank in Temple has a Capitalization of 20.38% versus the BestCashCow average of 12.68. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

First State Bank in Temple Balance Sheet Analysis

As of March 31, 2020, First State Bank in Temple had assets of $25,410,000, loans of $16,627,000, and deposits of $18,210,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2020
ASSETS
Cash & Balances due from depository institutions $ 0.38 million
Interest-bearing balances $ 0.01 million
Total securities $ 7.72 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 16.63 million
Loan loss allowance $ 0.47 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets $ 0.62 million
     Total Assets $ 20.23 million
LIABILITIES
Total deposits $ 18.21 million
      Interest-bearing deposits $ 14.43 million
      Deposits held in domestic offices $ 18.21 million
      % insured (estimated) 87.62%
Federal funds purchased and repurchase agreements $ 0.46 million
Trading liabilities N.A.
Other borrowed funds $ 1.50 million
Subordinated debt N.A.
All other liabilities $ 0.07 million
      Total Liabilities $ 20.23 million
      Shareholders’ Equity $ 5.18 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 0.32 million
Total Interest Expense $ 0.04 million
Net interest income $ 0.28 million
Provision for loan and lease losses N.A.
Total non interest income $ 0.01 million
Total non interest expense $ 0.18 million
Pre-tax Net Operating Income $ 0.11 million

Bank Loan Profile?

The top three loan types in First State Bank in Temple’s loan portfolio are Farm Loans, Commercial and Industrial Loans, and 1-4 Family Residential Loans.

Compared to other banks in Oklahoma, First State Bank in Temple has a significantly higher percent of Farm Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 4.08
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 3.99
Small Business Loans 0.00
Construction and Development Loans 0.00
Commercial Real Estate 0.05
Commercial and Industrial Loans 5.54
Farm Loans 71.34

Frequently Asked Questions About First State Bank In Temple

Branches and Savings

Is First State Bank In Temple FDIC insured?

Yes. It is covered under FDIC Certificate #5999.

Why does First State Bank In Temple pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are First State Bank In Temple CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is First State Bank In Temple a commercial bank?

Yes

Where are First State Bank In Temple locations?

See branch locations nearby.

Is First State Bank In Temple open on Saturdays?

Is First State Bank In Temple open on Sundays?

What time does First State Bank In Temple open?

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Are First State Bank In Temple ATMs Open 24/7?

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Do First State Bank In Temple branches have notaries?

Will First State Bank In Temple notarize my document?

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Will the First State Bank In Temple branch print checks?

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Does First State Bank In Temple require US citizenship to open account?

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Does First State Bank In Temple Use Equifax?

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Products

Does First State Bank In Temple offer mortgages?

Compare mortgage rates here.

Does First State Bank In Temple offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does First State Bank In Temple offer personal loans?

Compare personal loan rates here.

Does First State Bank In Temple offer student loans?

Will First State Bank In Temple cash a check?

Will First State Bank In Temple redeem a savings bond?

Does First State Bank In Temple cash savings bonds?

Will First State Bank In Temple cash money orders?

Can First State Bank In Temple issue a money order?

Does First State Bank In Temple do currency exchange?

Background on The Bank

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How long has First State Bank In Temple been around?

Can First State Bank In Temple transfer to other banks?

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