Branch Network
The First State Bank Locations & Branches Pond Creek, Oklahoma
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The First State Bank operates 2 branches from its headquarters in Pond Creek, OK, .
The First State Bank branch network
Both branches are in OKLAHOMA, across 2 cities. Its largest office by deposits is the The First State Bank of Pond Creek, Oklahoma office in Pond Creek, OK, with $39.3M (82.2% of its branch deposits). It had the same number of branches on June 30, 2025.
The First State Bank at a glance
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.
- Total assets, Q2 2026
- $55.5M
- Tier 1 leverage ratio, Q2 2026
- 12.78%
- Deposit insurance
- FDIC
- Regulator
- FDIC
- Latest call report
- Q2 2026, FFIEC 051
- Established
- 1893
Full financial profile · Is The First State Bank safe? · The First State Bank call report · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Pond Creek, OK (1 branch) | 1 of 1 | 100.0% | $39.3M |
| State: OK (2 branches) | 174 of 192 | <0.1% | $47.9M |
Ranked by total assets among banks headquartered in the state: Largest banks in Oklahoma.
Share by county and metro area
The First State Bank's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Grant, OK (1 branch) | 4 of 5 | 16.8% | $39.3M | $233.6M |
| Garfield, OK (1 branch) | 12 of 14 | 0.1% | $8.5M | $5.85B |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Enid, OK (1 branch) | 12 of 14 | 0.1% | $8.5M | $5.85B |
| 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 |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 11527) · FFIEC NIC profile (RSSD 644057)