Advertisement
The First State Bank Of Pond Creek, Oklahoma
Pond Creek, OK · FDIC Certificate #11527 · Chartered 09/1
Total assets
$55.47M
Total deposits
$47.87M
Total equity
$7.56M
Net loans
$46.25M
Branches (offices)
2
Net income (YTD)
$572.00K
Rank: #4,003 of 4,213 U.S. banks by assets · #156 of 168 in Oklahoma. Assets changed -4.0% and deposits -3.9% over the year to June 30, 2026.
Advertisement
Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.96% |
| Return on equity | 14.20% |
| Net interest margin (YTD) | 5.17% |
| Equity to assets | 13.63% |
| Tier 1 leverage ratio | 12.78% |
| Uninsured deposits (share of deposits) | 16.2% |
| Noncurrent loans (share of loans) | 0.32% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 96.6% |
| Real estate loans (share of loans) | 59.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $27.34M | 59.1% | |
| Commercial & industrial | $8.48M | 18.3% | |
| Consumer / individual | $2.89M | 6.2% | |
| Construction & development | $774.00K | 1.7% | |
| Agricultural | $8.24M | 17.8% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $56.23M | $49.88M | $293.00K | $6.34M |
| Jun 2023 | $54.33M | $46.66M | $285.00K | $6.68M |
| Jun 2024 | $54.64M | $47.31M | $458.00K | $7.29M |
| Jun 2025 | $57.79M | $49.82M | $612.00K | $7.92M |
| Jun 2026 | $55.47M | $47.87M | $572.00K | $7.56M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Oklahoma | $47.87M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $47.87M.
Similar-sized banks
The First Farmers National Bank Of Waurika ($55.52M) · Swedish-American State Bank ($55.47M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
Advertisement