FIRSTAR BANK

SALLISAW, OK · Supervised by FDIC

Est. 1964FDIC #19,288RSSD: FDIC-19288

Part ofU.S. Bancorp→ View all charters

Satisfactory Same

Current rating · Exam: August 2023

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.63%

Institution Profile

FDIC BankFind

Website

www.firstar.bank

Address

1720 E Cherokee Ave, SALLISAW, OK

County

Sequoyah County

Established

November 19, 1964

Total Assets

$1.3B(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

Satisfactory

Meets federal requirements for community lending

Exam Date

August 1, 2023

Exam Type

Intermediate Small Bank

Regulator

FDIC

What is a CRA rating? →

Estimated next exam:Aug 2027(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$1.3B

Total Deposits

$1.1B

Net Loans

$870M

Net Income

$5M

ROA

1.63%

ROE

14.74%

Risk-Based Capital

13.12%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

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

Mortgage Denial Rate1.73%Peer avg: 9.91%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$974M

1-Year Change

5-year net change: +3 branches

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	1,153	85.78%	1.73%
2023	1,165	83.61%	1.89%
2022	1,335	81.95%	2.25%
2021	1,645	80.91%	3.28%
2020	1,494	84.81%	3.28%
2019	1,148	83.89%	5.31%
2018	793	88.27%	5.30%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 2 exams

1 previous rating locked — dating back to 2020

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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