Citizens Bank of Ada vs First State Bank in Temple
Side-by-side bank health comparison using FDIC financial data
Citizens Bank of Ada (A) and First State Bank in Temple (A) are close on the BankHealth rubric. Asset bases: $307M versus $26M.
With grades this close, the choice between banks turns more on product fit, branch convenience, rates, and digital experience than on rubric-driven safety differences.
Verdict
Citizens Bank of Ada has a stronger Bank Health Score of 98/100 (A) compared to First State Bank in Temple at 98/100 (A), a difference of 0 points. Citizens Bank of Ada holds a Tier 1 capital ratio of 15.9% and an NPL ratio of 0.24%.
| Metric | Citizens Bank of Ada | First State Bank in Temple |
|---|---|---|
| Health Score Composite score (0-100) based on capital, loan quality, liquidity, and profitability | 98/100 (A) | 98/100 (A) |
| Tier 1 Capital Ratio Core equity capital as % of risk-weighted assets (8%+ is well-capitalized) | 15.9% | 20.9%* |
| NPL Ratio Nonperforming loans as % of total loans (lower is better) | 0.2% | 0.0%* |
| Liquidity Ratio Cash and liquid assets vs obligations | 42.9% | 70.6%* |
| Return on Assets Profitability metric (above 1% is strong) | 1.8%* | 1.4% |
| Total Assets | $307M | $26M |
| Total Deposits | $265M | $22M |
| Location | Ada, Oklahoma | Temple, Oklahoma |
Citizens Bank of Ada has a stronger Bank Health Score of 98/100 (A) compared to First State Bank in Temple at 98/100 (A), a difference of 0 points. Citizens Bank of Ada holds a Tier 1 capital ratio of 15.9% and an NPL ratio of 0.24%.