Firstar Bank
Sallisaw, Oklahoma · FDIC Cert #19288
Firstar Bank is an FDIC-insured bank (Certificate #19288) with $1.2B in total assets and $1.0B in total deposits as of the Q2 2024 Call Report. Headquartered in Sallisaw, Oklahoma, the bank maintains a Tier 1 capital ratio of 10.69% (Well-Capitalized) and a nonperforming loan ratio of 0.19%. BankHealthData assigns a composite Health Grade of B (75/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Firstar Bank (FDIC cert 19288) is a mid-sized bank with $1.2B in total assets and $1.0B in deposits, based in Sallisaw, Oklahoma. Mid-sized banks typically operate regionally with a mix of commercial and consumer lending.
Capital position is adequate: Tier 1 capital ratio of 10.69% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. Asset quality is clean: non-performing loan ratio of 0.19% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is in the normal range: 20.7% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is solid: ROA of 1.24% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is improving: the bank's composite score is up materially over the most recent quarters in the dataset. Improving trends usually reflect either capital strengthening, asset-quality recovery, or sustained profitability gains. Firstar Bank carries a composite BankHealth grade of B (75/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Firstar Bank
- Total Assets
- $1.2B
- Total Deposits
- $1.0B
- Tier 1 Capital Ratio
- 10.69%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.19%
- Liquidity Ratio
- 20.70%
- Return on Assets
- 1.24%
- Headquarters
- Sallisaw, Oklahoma
- FDIC Certificate
- #19288
- Health Grade
- B (75/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Firstar Bank holds a Tier 1 capital ratio of 10.69%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Firstar Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Firstar Bank shows strong financial health indicators. With $1.2B in assets and a Health Score of 75/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Firstar Bank Compares
Firstar Bank’s Health Score of 75 is 11 points above the Oklahoma state average of 64 across 141 FDIC-insured banks. Its 10.69% Tier 1 capital ratio is 3.3 points below the US banking industry average near 14%. The 0.19% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 1.24% is in line with or above the national ROA benchmark of ~1.1%. Among 925 similarly-sized banks, the average Health Score is 71, meaning this bank ranks above its size cohort. Site-wide, Firstar Bank is 5 points above the portfolio average of 70.
Frequently Asked Questions
Firstar Bank has a Bank Health Score of B (75/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 10.69%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Firstar Bank's Tier 1 capital ratio of 10.69% and nonperforming loan ratio of 0.19% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Firstar Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #19288). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Firstar Bank holds $1.2B in total assets and $1.0B in total deposits. It is headquartered in Sallisaw, Oklahoma (FDIC Certificate #19288).
Firstar Bank has a Tier 1 capital ratio of 10.69%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.19%, and the return on assets is 1.24%.
Yes. Firstar Bank is FDIC-insured (Certificate #19288). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Firstar Bank's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.