The First State Bank (Pond Creek, OK)
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Data as of · sourced from FFIEC call reports. How we update
The First State Bank is an FDIC-insured commercial bank headquartered in Pond Creek, OK, established in 1893 (FDIC certificate 11527), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $55.5M, down 4.0% from Q2 2025, the 157th largest of 169 banks headquartered in Oklahoma. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.78% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 11527
- Headquarters
- Pond Creek, OK
- Established
- 1893
- Total assets, Q2 2026
- $55.5M
- Assets vs Q2 2025
- -4.0%
- Tier 1 leverage ratio, Q2 2026
- 12.78%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 103103749
- Latest call report
- Q2 2026, FFIEC 051 · The First State Bank call report
- Asset rank in state
- 157th of 169 in Oklahoma
The First State Bank earns an unusually wide margin on its lending. Its balance sheet stood at $55 million at June 30, 2026, down 4.0% from a year earlier; it is based in Pond Creek, Oklahoma. It keeps 5.36 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 583 banks with less than $100 million in assets (median 3.87 cents). It also lost 3.9% of its deposits over the year, lower than about three-quarters of banks its size (median 2.5%).
Net income for the quarter slipped 17% from a year earlier, to $262,000. Over the same year, loans grew 5.1% and deposits shrank 3.9%. Credit is the area to watch: it carries problem assets equal to 8.5% of the capital and reserves that would absorb them, 6.2 times the median of 1.4% for banks its size.
As of June 30, 2026, The First State Bank reported a return on assets of 1.77%, a nonperforming-loan ratio of 0.32% and a Texas ratio of 8.53%. The figures come from its call report filed with the FFIEC.
Of the 169 banks headquartered in Oklahoma, The First State Bank is the 157th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 9.4% to $55.5M, loans fell 4.7% and deposits fell 9.5%. 1-4 family residential loans made up 41.2% of its total loans on June 30, 2026, its largest category; next came commercial and industrial loans at 18.0%. The FDIC Summary of Deposits lists 2 offices for it, in Pond Creek, OK and Enid, OK; its Pond Creek office books 82% of its branch deposits. On its Q2 2026 call report, The First State Bank meets the community bank leverage ratio test for well capitalized.
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
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- September 16, 1893
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 14
- Domestic deposits
- $47.9M
- Allowance for credit losses
- $808K
- Net charge-offs (YTD)
- $3K
- Average total assets
- $59.1M
- Average total loans
- $47.5M
- Average interest-bearing deposits
- $35.0M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 11527
- Fed RSSD
- 644057
- Website
- http://www.fsbpondcreek.com →
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, The First State Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, The First State Bank's total assets ran between $53.5M (Q4 2023) and $61.2M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$55.5M total assets against $57.8M; $47.9M total liabilities against $49.9M.
$46.2M net loans and leases against $44.1M; $47.9M total deposits against $49.8M.
$3.1M securities against $5.3M; $4.2M cash and balances due against $6.9M.
$956K total interest income against $939K; $200K total interest expense against $199K.
$756K net interest income against $740K.
$38K total noninterest income against $26K; $532K total noninterest expense against $451K.
$0 provision for credit losses against $0.
$262K net income against $315K.
1.77% return on assets against 2.19%; 5.36% net interest margin against 5.48%.
12.78% tier 1 leverage ratio against 13.73%.
Inside the full The First State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.57% (Q4 2024) to 2.45% (Q3 2025) and its net interest margin ran from 4.78% (Q1 2026) to 5.65% (Q4 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.78% | 1.77% | 0.32% | 8.53% | 5.36% |
| Q1 2026 | 13.86% | 2.08% | 1.14% | 6.19% | 4.78% |
| Q4 2025 | 14.63% | 0.58% | 1.75% | 9.72% | 5.48% |
| Q3 2025 | 14.64% | 2.45% | 2.08% | 10.82% | 5.61% |
| Q2 2025 | 13.73% | 2.19% | 0.06% | 1.41% | 5.48% |
| Q1 2025 | 13.67% | 2.14% | 0.02% | 1.26% | 5.46% |
| Q4 2024 | 13.93% | 0.57% | 0.27% | 2.63% | 5.65% |
| Q3 2024 | 13.58% | 1.57% | 0.42% | 4.00% | 5.64% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The First State Bank of Pond Creek, Oklahoma | Pond Creek , OK | 73766 | $39.3M |
| Enid Branch | Enid , OK | 73703 | $8.5M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in OK, rank 174 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 22 applications, 22 loans originated, $2.9M originated, across 1 states
- Period: Calendar year 2023. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $2.0M approved, $2.0M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2014 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about The First State Bank
What are The First State Bank's total assets?
As of the Q2 2026 filing, The First State Bank reported total assets of $55.5 million in its FFIEC call report.
Where is The First State Bank headquartered?
It is headquartered in Pond Creek, OK, United States.
When was The First State Bank founded?
It was established in 1893, per the FDIC institution directory.
Is The First State Bank FDIC-insured?
Yes. It 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 The First State Bank?
The First State Bank's primary federal regulator is the FDIC.
How many branches does The First State Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The First State Bank's Texas Ratio?
Its Texas Ratio is 8.53% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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