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Personal Banking

Checking Accounts

  • Checking Account
  • Super Now Account
  • HI-FI Account
  • Premium Money Market Account


Savings Account

  • Consumer Savings Account


Certificates of Deposit & Individual Retirement Accounts

  • The First State Bank of Pond Creek offers a wide variety of certificate of deposits to meet your investment needs with terms up to 5 years.
  • The First State Bank of Pond Creek offers both Traditional and Roth IRA’s



  • Consumer
  • Auto
  • Boat
  • Recreational Vehicle
  • Motorcycle
  • Real Estate

You benefit from having a loan that is tailored to your needs and your budget, which is what you get with our personalized service.  Because we are a locally owned bank, you have the convenience of a quick decision concerning your loan request. For more information please contact the Bank at, Pond Creek 580-532-6611 or Enid 580-233-4747.