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This institution is no longer active

Operations ceased on April 25, 2015. CRA examination history below reflects the period it was active.

FIRST STATE BANK OF PORTER

PORTER, OK · Supervised by FDIC

Est. 1905FDIC #4,180RSSD: FDIC-4180
Part ofPORTER BANCSHARES INC→ View all charters
Outstanding Up

Current rating · Exam: May 2013

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 2.31%

Institution Profile

FDIC BankFind

Address

541 S. Main, PORTER, OK

County

Wagoner County

Established

January 1, 1905

Total Assets

$36M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

May 1, 2013

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 13 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2015Call Report / FDIC

Total Assets

$36M

Total Deposits

$30M

Net Loans

$27M

Net Income

$205K

ROA

2.31%

ROE

14.89%

Risk-Based Capital

20.35%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate15.00%Peer avg: 7.63%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20244052.5%15.00%
20233871.05%13.16%
20194778.72%12.77%
20185683.93%12.50%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

4 previous ratings locked — dating back to 1995

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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