FDIC Cert #11527 · Pond Creek, Oklahoma · Est. 1893

The First State Bank of Pond Creek, Oklahoma - FDIC Bank Health Profile

A community-scale look at The First State Bank of Pond Creek, Oklahoma's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$58M
Total assets
A
Health grade · Excellent
1.82%
Return on assets
14.6%
Tier 1 capital

Data updated July 2026

The verdict

The First State Bank of Pond Creek, Oklahoma earns a PlainBankData health grade of A (84/100), with well-capitalized at 14.63% Tier 1, profitable at 1.82% ROA, 64% efficiency ratio.

#4,065
largest of 4,313 FDIC banks by assets
6th
percentile by asset size, nationally
14.63%
Tier 1 ratio - above the 10% well-capitalized line
86th
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 11527 · OK A · 84/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-COMMUNITY · BOOK-FULL

  • GRADE-A A (84/100)
  • MID-PACK #1503/4307
  • PHOTO-FINISH First Security State… · TX
  • TIER1-WELL 14.6% Tier 1
  • TEXAS-CLEAN 9.7% Texas
  • ROA-STRONG 1.82% ROA
  • SIZE-COMMUNITY <$100M
  • BOOK-FULL 9/9 fields

Nearest health peer outside Oklahoma: First Security State Bank, TX (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around The First State Bank of Pond Creek, O…

Lowest and highest poles plus nearest scored peers outside Oklahoma, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100First Security State… · TX ·…84/100First State Bank of… · MO · …84/100Grant County Bank · KS · near84/100Legence Bank · IL · near84/100The First State Bank… · OK ·…84/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around The First State Bank of Pond Creek, O… · July 2026

What The First State Bank of Pond Creek, O…'s Call Report plate shows

The First State Bank of Pond Creek, Oklahoma (FDIC Cert #11527) carries a PlainBankData health grade of A at 84/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #1,503 of 4,307. Tier 1 capital prints at 14.63%, clearing the 10% well-capitalized line. The Texas Ratio is 9.72%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.82%. Balance-sheet scale is $58M, 4,065th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is First Security State Bank (TX), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around The First State Bank of Pond Creek, O…

8 FAILURE resolutions in Oklahoma since 2000 (8 since 2008)

The First State Bank of Pond Creek, Oklahoma's home state sits in the middle band of post-2000 FAILURE counts (8; 8 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; The First State Bank of Pond Creek, Oklahoma remains an active FDIC-insured reporter.

  • FIRST NB OF LINDSAY LINDSAY, OK 2024 → FIRST BANK & TRUST CO.
  • THE FREEDOM STATE BANK FREEDOM, OK 2014 → ALVA STATE BANK & TRUST COMPANY
  • THE BANK OF UNION EL RENO, OK 2014 → BANCFIRST

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Oklahoma banks.

How The First State Bank of Pond Creek, Oklahoma's 84/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10084/100
The First State Bank of Pond Creek, Oklahoma's composite health score
Tier 1 Capital Ratio (14.63%) 35/40
Return on Assets (ROA) (1.82%) 25/25
Texas Ratio (9.72%) 16/20
Efficiency Ratio (63.96%) 8/15

84 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$58M

Total balance-sheet footings

Total Deposits

$48M

Customer-funded liabilities

Net Loans

$50M

Outstanding loan book

Net Income

$1M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 13.23% 14.63% 16.03%
Basel III capital ratios - The First State Bank of Pond Creek, Oklahoma

Where The First State Bank of Pond Creek, Oklahoma ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The First State Bank of Pond Creek, Oklahoma's score of 84/100 falls in the highlighted band.

The First State Bank of Pond Creek, Oklahoma: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

84 Top 35% higher than 65% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. The First State Bank of Pond Creek, O… 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

The First State Bank of Pond Creek, Oklahoma's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). The First State Bank of Pond Creek, Oklahoma's $58M falls in the highlighted band.

Safety ratios for The First State Bank of Pond Creek, O…

Tier 1 capital ratio
Well-capitalized 10%

14.63% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
14.63%
Texas Ratio
9.72%
Equity Capital
$8M

What these ratios mean →

Earnings posture at The First State Bank of Pond Creek, O…

Return on Assets (ROA)
86th percentile nationally
1.82%
Return on Equity (ROE)
13.07%
Efficiency Ratio
63.96%

What these mean →

Income & expense at The First State Bank of Pond Creek, O…

$4M
Interest Income
$226K
Non-Interest Income
$2M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. The First State Bank of Pond Creek, Oklahoma reports a Texas Ratio of 9.72% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

9.72% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View The First State Bank of Pond Creek, Oklahoma on FDIC BankFind →

Top banks in Oklahoma by total assets

Largest banks headquartered in Oklahoma
  1. 1
    BOKF $52.0B

    Tulsa, OK · Grade A

  2. 2
    MidFirst Bank $41.4B

    Oklahoma City, OK · Grade B

  3. 3
    First United Bank and Trust Company $16.3B

    Durant, OK · Grade B

  4. 4
    BancFirst $12.1B

    Oklahoma City, OK · Grade A

  5. 5
    InterBank $5.5B

    Oklahoma City, OK · Grade B

Top 5 banks in Oklahoma ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($58M here), outside Oklahoma so the neighborhood is not state containment.

The Fairmount State Bank $58M · IN The Peoples Bank $58M · OH Butte State Bank $58M · NE Liberty Bank $58M · OH

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The First State Bank of Pond Creek, Oklahoma (FDIC Cert #11527) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

The First State Bank of Pond Creek, Oklahoma Call Report profile · FDIC Failed Bank List · Oklahoma FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Oklahoma

All Oklahoma banks →
BankAssetsGradeROA
BOKF, National AssociationTulsa $52.0B A 1.10%
MidFirst BankOklahoma City $41.4B B 1.19%
First United Bank and Trust CompanyDurant $16.3B B 0.97%
BancFirstOklahoma City $12.1B A 1.79%
InterBankOklahoma City $5.5B B 3.60%
Stride Bank, National AssociationEnid $4.9B A 2.10%
RCB BankClaremore $4.1B A 1.32%
First Fidelity BankOklahoma City $2.9B B 0.94%