The First State Bank of Pond Creek, Oklahoma
Pond Creek, OK
IDRSSD: 644057
Total Assets
$58.17M
Latest filing
Total Deposits
$47.95M
Latest filing
Net Interest Margin
5.48%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
The First State Bank of Pond Creek, Oklahoma
136 W Broadway St
Pond Creek, OK 73766
Full Service - Brick and Mortar
Updated 01/30/2026Established 09/16/1893FDIC Certificate 7367
Branches (1)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| The First State Bank of Pond Creek, Oklahoma (Main) | 136 W Broadway St | Pond Creek, OK |
| ENID BRANCH | 2112 W Willow Rd | Enid, OK |
Showing 1 of 1
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 09/16/1893 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 73766 |
| State and County Number | 40053 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 10 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 14 |
| Domestic Offices | 2 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | http://www.fsbpondcreek.com |
| Data Updated | 01/30/2026 |
| CERT | 11527 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $58.17M |
| Total Deposits | $47.95M |
| Total Liabilities | $49.84M |
| Total Equity Capital | $8.33M |
| Net Income | $83.00k |
| Net Loans and Leases | $49.98M |
| Assets Per Employee ($Millions) | $4.16M |
| Bank Premises and Fixed Assets | $424.00k |
| Cash and Balances due from Depository Institutions | $0 |
| Deposits Held in Domestic Offices | $47.95M |
Key Performance Ratios
| Return on Assets (ROA) | 0.58% |
| Return on Equity (ROE) | 4.01% |
| Net Interest Margin | 5.48% |
| Efficiency Ratio | 76.72% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.7% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 14.316% |
| Earning Assets to total Assets | 95.68% |
Income and Expense
| Total Interest Income | $972.00k |
| Total Noninterest Income | $41.00k |
| Total Interest Expense | $227.00k |
| Total Noninterest Expense | $603.00k |
| Net Interest Income | $745.00k |
| Pre-tax Net Operating Income | $83.00k |
| Provision for Credit Losses | $100.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $1.83M |
| All Other Liabilities | $63.00k |
| Total Liabilities and Capital | $58.17M |
Securities
| Securities | $4.20M |
| Available-for-sale debt securities | $4.20M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The First State Bank of Pond Creek, Oklahoma?
$58.17M as of the latest filing.
How much are The First State Bank of Pond Creek, Oklahoma's total deposits?
$47.95M in total deposits.
Where is The First State Bank of Pond Creek, Oklahoma located?
Pond Creek, OK.
What is the Net Interest Margin?
5.48%.
How many domestic offices does it operate?
2.
When was it established?
09/16/1893.
What is the Return on Assets (ROA)?
0.58%.
How much are total loans and leases?
$49.98M (latest filing).
What is the total interest income (latest filing)?
$972.00k.