Firstar Bank
Sallisaw, Oklahoma, Sequoyah County
$1.2B in total assets, the 892nd largest of 4,309 US banks and 21st of 171 headquartered in Oklahoma.
- FDIC certificate
- 19288
- Established
- 1964
- Owned by
- Firstar Financial Corp
- Primary regulator
- FDIC
- Website
- www.firstar.bank
At a glance
Compared with 20 banks headquartered in Oklahoma with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $1.2B | 20% | $1.8B | |
| Loans | $847M | 30% | $1.4B | |
| Deposits | $1.1B | 20% | $1.2B | |
| Return on assets | 2.25% | 90% | 1.38% | |
| Net interest margin | 4.93% | 85% | 3.91% | |
| Efficiency ratio | 57.7% | 35% | 60.6% | |
| Equity to assets | 10.95% | 60% | 10.13% | |
| Loans to deposits | 78% | 25% | 95% |
Growth
Total assets grew 9.6% a year over the last 5 years and 8.6% a year over 10 years, including 2 acquisitions in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Apr 2024 | The First National Bank of Stigler Stigler, OK | $130M |
| Oct 2019 | Fort Gibson State Bank Fort Gibson, OK, an affiliate under the same holding company | $67M |
| Jul 2012 | First National Bank of Muskogee Muskogee, OK, an affiliate under the same holding company | $179M |
| Mar 2000 | First National Bank of Roland Roland, OK | $52M |
Where they operate
11 branches in 7 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Muskogee County, OK | $416M | 26.6% | 2 of 8 |
| Sequoyah County, OK | $247M | 29.1% | 2 of 5 |
| Tulsa County, OK | $220M | 0.6% | 26 of 52 |
| Haskell County, OK | $136M | 53.8% | 1 of 3 |
| Sebastian County, AR | $56M | 1.4% | 12 of 16 |
| Crawford County, AR | $10M | 0.9% | 10 of 10 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 4 branches since 2016 (7 to 11, +57.1%). 4 opened, 2 acquired, 2 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 7 | |||
| 2019 | Acquired Fort Gibson State BankOpened Fort Smith | 2 | 0 | +2 | 9 |
| 2021 | Opened Coweta | 1 | 0 | +1 | 10 |
| 2023 | Opened Fayetteville and Van BurenClosed Fort Smith | 2 | 1 | +1 | 11 |
| 2024 | Acquired The First National Bank of Stigler | 1 | 0 | +1 | 12 |
| 2025 | Closed Coweta | 0 | 1 | −1 | 11 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 33% | 36% | |
| 1-4 family residential | 22% | 19% | |
| Business (C&I) | 21% | 17% | |
| Construction and land | 15% | 12% | |
| Multifamily | 3% | 3% | |
| Consumer | 2% | 5% | |
| Farmland | 1% | 3% | |
| Agricultural | 1% | 2% | |
| Other | 1% | 3% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 59% | 50% | |
| Noninterest-bearing | 24% | 25% | |
| Time deposits | 17% | 24% |
Brokered deposits are 0.0% of deposits (peers 7.8%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.68% | 0.55% |
| Net charge-offs, annualized | 0.04% | 0.01% |
| Reserves to loans | 0.99% | 1.19% |
| Leverage ratio | 9.03% | 10.36% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Oklahoma
Largest competitors in Muskogee County, OK
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/firstar