About Us

Our History

The First State Bank was established in 1893 in Pond Creek, making it one of the oldest full-service banking institutions in the State of Oklahoma. The First State Bank has been the hub of financial activity for many farmers and ranchers as well as the primary lending source for many Northwest Oklahoma businessmen. It operates today as a locally owned financial institution, allowing it to respond quickly to meet customer needs.

The Bank remains a financial center for Northwest Oklahoma through sound banking principles and a reputation built on a customer service policy second to none.

Whether you need assistance with a personal, real estate, commercial or agriculture requirement, you can depend on The First State Bank of Pond Creek to provide expert financial support and exceptional customer service. The Main Bank in Pond Creek also provides a 24 hour ATM facility for customer convenience.

The Enid Branch Bank located in Heritage Hills Center also provides friendly, personalized service with all the amenities of a large bank. Customers can transact full service banking activities including new accounts, CD’s, loan payments, deposits and check cashing. Both the Enid Branch Bank and the Main Bank in Pond Creek are available for all types of consumer, real estate, and commercial loans. There are two ATM facilities in Enid to serve you, located at the Heritage Hills Center, and at the intersection of Cleveland and Chestnut.