OK lenders / Community Bank
The First State Bank of Pond Creek, Oklahoma
Community Bank · Pond Creek, OK
- Total assets
- $61.2M
- CRE loan book
- $4.1M
- QoQ CRE growth
- 3.8%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.72% as of Q1 2026 — TX bank median 4.87% (1.86pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.72% | 7.04% |
| Q4 2025 | 6.85% | 7.42% |
| Q3 2025 | 6.74% | 7.35% |
| Q2 2025 | 6.95% | 7.33% |
| Q1 2025 | 6.75% | 7.26% |
| Q4 2024 | 6.88% | 7.37% |
| Q3 2024 | 6.62% | 7.44% |
| Q2 2024 | 6.52% | 7.29% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
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CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $4.1M | $1.6M | $0 | 18% | $0 |
| Q4 2025 | $4.0M | $1.4M | $0 | 16% | $0 |
| Q3 2025 | $3.6M | $1.1M | $0 | 12% | $0 |
| Q2 2025 | $3.0M | $843,000 | $0 | 10% | $0 |
| Q1 2025 | $2.9M | $649,000 | $0 | 8% | $0 |
| Q4 2024 | $3.0M | $708,000 | $0 | 9% | $0 |
| Q3 2024 | $3.0M | $366,000 | $0 | 4% | $0 |
| Q2 2024 | $3.0M | $229,000 | $0 | 3% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- First State BankCommunity Bank · Randolph · $4.1M CRE book
- Home Federal Savings and Loan AssociationCommunity Bank · Bamberg · $4.1M CRE book
- State Bank of IndustryCommunity Bank · Industry · $4.3M CRE book
- Haskell National BankCommunity Bank · Haskell · $4.3M CRE book
- Columbus State BankCommunity Bank · Columbus · $4.3M CRE book
See all alternatives to The First State Bank of Pond Creek, Oklahoma →
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.