The First State Bank of Pond Creek, Oklahoma: how it compares with its peers
Against 35 OK banks with half to twice its assets, The First State Bank of Pond Creek, Oklahoma's strongest measure in Q2 2026 is net interest margin (5.17% vs. a 4.35% peer median). Its weakest relative measure is assets per employee ($4.0M vs. $4.7M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.96% | 1.36% | Top third Ahead of 77% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.17% | 4.35% | Top third Ahead of 86% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 63.38% | 65.67% | Middle third Ahead of 54% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.0M | $4.7M | Bottom third Ahead of 31% of peers |
| Loans to deposits Net loans and leases over total deposits. | 96.61% | 62.09% | Context |
What it means for lending operations
Its efficiency ratio of 63.38% is better than the 65.67% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- The First Farmers National Bank of Waurika Waurika, OK · $56M
- Lakeside Bank of Salina Salina, OK · $55M
- Farmers State Bank, Allen, Oklahoma Allen, OK · $57M
- First Bank and Trust Company Clinton, OK · $58M
- Grant County Bank Medford, OK · $58M
- BANK360 Cordell, OK · $61M
Questions about The First State Bank of Pond Creek, Oklahoma
How big is The First State Bank of Pond Creek, Oklahoma?
The First State Bank of Pond Creek, Oklahoma, established in 1893, is headquartered in Pond Creek, OK. It reported $55M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is The First State Bank of Pond Creek, Oklahoma's return on assets?
1.96% annualized in Q2 2026, against a 1.36% median for 35 OK banks with half to twice its assets, ahead of 77% of them.
What is The First State Bank of Pond Creek, Oklahoma's efficiency ratio?
63.38% in Q2 2026: it spent about 63 cents in noninterest expense for each dollar of revenue. The peer median is 65.67%, and lower is better.
Is The First State Bank of Pond Creek, Oklahoma growing its loans?
Net loans grew 5.0% over the year to Q2 2026, while deposits shrank 3.9%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are OK banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Oklahoma bank ranked.