First State Bank, the
Operating from Pond Creek, OK, First State Bank, the serves its local market as an FDIC-insured commercial bank. On its most recent Q1 2026 call report, First State Bank, the reported $61M in total assets against $53M in deposits. Profitability is strong — 2.08% ROA, paired with 14.93% ROE and a 4.78% net interest margin. Under the simplified Community Bank Leverage Ratio framework, leverage of 13.86% exceeds the 9% CBLR threshold. Asset quality is solid — 1.13% nonperforming loans and a 6.19% Texas Ratio. It operates 2 branches, primarily in Oklahoma.
Headquarters Profile
- Address
- 136 W Broadway St, POND CREEK, OK 73766
- County
- Grant
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- Fed District
- 13
- Established
- September 16, 1893
- Branches
- 2 domestic
- Employees (FTE)
- 14
- FDIC Cert
- 11527
- Fed RSSD
- 644057
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First State Bank, the rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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Frequently asked about First State Bank, the
What are First State Bank, the's total assets?
As of the Q1 2026 filing, First State Bank, the reported total assets of $61.2 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First State Bank, the headquartered?
First State Bank, the is headquartered in POND CREEK, OK, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was First State Bank, the founded?
First State Bank, the was established in 1893, per the FDIC institution directory.
Is First State Bank, the FDIC-insured?
Yes. First State Bank, the is an FDIC-insured commercial bank (FDIC Certificate #11527). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First State Bank, the?
First State Bank, the's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does First State Bank, the operate?
First State Bank, the operates 2 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is First State Bank, the's Texas Ratio?
First State Bank, the's Texas Ratio is 6.19% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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