The First State Bank Of Pond Creek, Oklahoma vs Liberty National Bank
Comparing a Bank in Pond Creek, OK with a Bank in Lawton, OK using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| The First State Bank Of Pond Creek, Oklahoma ↗ Bank · Pond Creek, OK · Est. 1893 | Liberty National Bank ↗ Bank · Lawton, OK · Est. 1902 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Bank | Bank |
| Location | Pond Creek, OK | Lawton, OK |
| Total assets | $61.2M | $1.3B |
| Capital ratio | 13.5% | 10.1% |
| Return on assets | 2.1% | 2.1% |
| Deposits | $52.9M | $1.2B |
| Branches | 2 | 9 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #4 of 170 | #2 of 170 |
| Established | 1893 | 1902 |
The First State Bank Of Pond Creek, Oklahoma
- Assets: $61.2M
- Deposits: $52.9M
- Capital ratio: 13.5%
- Return on assets: 2.1%
- CFPB complaints: 0
- State rank: #4 of 170
Liberty National Bank
- Assets: $1.3B
- Deposits: $1.2B
- Capital ratio: 10.1%
- Return on assets: 2.1%
- CFPB complaints: 0
- State rank: #2 of 170
Are both institutions federally insured?
Yes. The First State Bank Of Pond Creek, Oklahoma is FDIC-insured and Liberty National Bank is FDIC-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, The First State Bank Of Pond Creek, Oklahoma or Liberty National Bank?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — The First State Bank Of Pond Creek, Oklahoma scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is The First State Bank Of Pond Creek, Oklahoma safe?
Yes — The First State Bank Of Pond Creek, Oklahoma is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
Is Liberty National Bank safe?
Yes — Liberty National Bank is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of The First State Bank Of Pond Creek, Oklahoma vs Liberty National Bank?
The First State Bank Of Pond Creek, Oklahoma has a capital ratio of 13.5%, placing it in the top 39% of <$100M peers. Liberty National Bank's ratio is 10.1%, placing it in the bottom 47% of $1B–10B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does The First State Bank Of Pond Creek, Oklahoma have compared to Liberty National Bank?
The CFPB database shows 0 complaints against The First State Bank Of Pond Creek, Oklahoma, and 0 complaints against Liberty National Bank. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare The First State Bank Of Pond Creek, Oklahoma with other Banks in Oklahoma
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
