The First State Bank of Pond Creek, Oklahoma (FDIC certificate #11527) is based in Pond Creek, Oklahoma. Its Q2 2026 call report shows $55.5M in total assets and $47.9M in deposits and 2 offices.
Based on its Q2 2026 filing, The First State Bank of Pond Creek, Oklahoma scores 83/100, which we describe as strong. That is higher than 73% of 546 banks with under $100 million in assets. Among 170 banks headquartered in Oklahoma, it ranks 29th. Its strongest component is earnings (98/100; 1.96%), and its lowest is funding & liquidity (62/100; 97% loans-to-deposits, 16% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 6 points (89 → 83), mostly because the problem-loan coverage component weakened by 14 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 77 |
| Q3 2024 | 81 |
| Q4 2024 | 81 |
| Q1 2025 | 89 |
| Q2 2025 | 89 |
| Q3 2025 | 72 |
| Q4 2025 | 74 |
| Q1 2026 | 81 |
| Q2 2026 | 83 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 13.31% |
| Q3 2024 | 13.58% |
| Q4 2024 | 13.93% |
| Q1 2025 | 13.67% |
| Q2 2025 | 13.73% |
| Q3 2025 | 14.64% |
| Q4 2025 | 14.63% |
| Q1 2026 | 13.86% |
| Q2 2026 | 12.78% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.80% |
| Q3 2024 | 0.42% |
| Q4 2024 | 0.27% |
| Q1 2025 | 0.02% |
| Q2 2025 | 0.06% |
| Q3 2025 | 2.08% |
| Q4 2025 | 1.75% |
| Q1 2026 | 1.14% |
| Q2 2026 | 0.32% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.68% |
| Q3 2024 | 1.65% |
| Q4 2024 | 1.37% |
| Q1 2025 | 2.10% |
| Q2 2025 | 2.15% |
| Q3 2025 | 2.25% |
| Q4 2025 | 1.82% |
| Q1 2026 | 2.08% |
| Q2 2026 | 1.96% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 83 | $55.5M | 12.78% | 0.32% | 1.96% | 96.6% |
| Q1 2026 | 81 | $61.2M | 13.86% | 1.14% | 2.08% | 91.8% |
| Q4 2025 | 74 | $58.2M | 14.63% | 1.75% | 1.82% | 104.3% |
| Q3 2025 | 72 | $56.0M | 14.64% | 2.08% | 2.25% | 97.8% |
| Q2 2025 | 89 | $57.8M | 13.73% | 0.06% | 2.15% | 88.4% |
| Q1 2025 | 89 | $57.9M | 13.67% | 0.02% | 2.10% | 89.2% |
| Q4 2024 | 81 | $55.1M | 13.93% | 0.27% | 1.37% | 97.6% |
| Q3 2024 | 81 | $55.2M | 13.58% | 0.42% | 1.65% | 89.9% |
| Q2 2024 | 77 | $54.6M | 13.31% | 0.80% | 1.68% | 88.6% |
546 peers · Under $100 million in assets
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Oklahoma
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The First Farmers National Bank of WaurikaBank Waurika, OK | 94 out of 100, Very strong | $55.5M | 19.3% | 0.00% | vs |
| Lakeside Bank of SalinaBank Salina, OK | 56 out of 100, Moderate | $54.6M | 11.2% | 3.32% | vs |
| Farmers State Bank, Allen, OklahomaBank Allen, OK | 86 out of 100, Very strong | $57.2M | 13.5% | 0.61% | vs |
| First Bank and Trust CompanyBank Clinton, OK | 96 out of 100, Very strong | $58.2M | 16.7% | 0.02% | vs |
| Grant County BankBank Medford, OK | 81 out of 100, Strong | $58.4M | 15.6% | 0.12% | vs |
| Bank360Bank Cordell, OK | 42 out of 100, Below average | $61.0M | 9.4% | 3.97% | vs |
Deposit insurance
Is my money safe at The First State Bank of Pond Creek, Oklahoma?
Yes. The First State Bank of Pond Creek, Oklahoma is an FDIC-insured institution (FDIC certificate #11527). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 16.2% of deposits ($7.8M) are above the $250,000 FDIC insurance limit, close to the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.78%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
2 locations
Branches
The First State Bank of Pond Creek, Oklahoma lists 2 offices in 2 cities. Most locations:
- Enid, OK (1)
- Pond Creek, OK (1)
Identity & history
Profile
- Legal name
- The First State Bank of Pond Creek, Oklahoma
- Type
- State-chartered bank
- FDIC certificate #
- 11527
- RSSD ID
- 644057
- Primary regulator
- FDIC
- Established
- September 16, 1893
- Headquarters
- 136 W Broadway St, Pond Creek, OK 73766
- Website
- www.fsbpondcreek.com
- Employees
- 14
Quick answers
The First State Bank of Pond Creek, Oklahoma: common questions
Is The First State Bank of Pond Creek, Oklahoma FDIC insured?
Yes. The First State Bank of Pond Creek, Oklahoma is an FDIC-insured institution (FDIC certificate #11527). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The First State Bank of Pond Creek, Oklahoma's TellerScore?
83 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has The First State Bank of Pond Creek, Oklahoma ever failed?
There is no failure record for FDIC certificate #11527 in the FDIC failed bank list.
How many branches does The First State Bank of Pond Creek, Oklahoma have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Pond Creek
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bank 7Bank Oklahoma City, OK | 86 out of 100, Very strong | $1.9B | 13.9% | 0.39% | vs |
| Cowboy BankBank Kremlin, OK | 84 out of 100, Strong | $350.3M | 12.7% | 0.49% | vs |
| Tinker Federal Credit UnionCredit union Oklahoma City, OK | 83 out of 100, Strong | $6.1B | 14.7% | 0.63% | vs |
| The City National Bank and Trust Company of Lawton, OklahomaBank Lawton, OK | 83 out of 100, Strong | $446.2M | 13.9% | 0.45% | vs |
| Grant County BankBank Medford, OK | 81 out of 100, Strong | $58.4M | 15.6% | 0.12% | vs |
| Cleo State BankBank Cleo Springs, OK | 80 out of 100, Strong | $122.5M | 16.4% | 2.12% | vs |