First State Bank is proud to be locally owned and operated. 

At First State Bank we feel that by being locally owned, we can offer to our customers a higher rate of service and a wider range of products.  We make timely decisions locally without the need to hassle with someone in a remote office.  We work directly with our friends and neighbors for the better of our whole community.

First State Bank is situated in one of the finest areas of our state within one of the finest communities.

Approximately 60 miles northwest of Oklahoma City, Watonga has many reasons to become a resident and to join the others who already know and understand its benefits.  The Industrial, retail, and  entertainment industries are just a few of the major benefactors of citizenship here in Watonga.  From quality golf courses to antique stores, to cheese plants, here in Watonga, we have plenty of lime-life to offer.

First State Bank is "MAKING A DIFFERENCE THROUGH LOCAL COMMITMENT"

Today there seems to be a bank on every corner offering the same product as the next one. At First State Bank, we try to be different.  You will never call us on the phone to hear a recording asking you to hit prompts before you can speak to a representative.  We strive to achieve exceptional customer service and satisfaction. 

• Exceptional personal service;
• Timely information and decisions;
• Quality products and service; and
• A locally owned bank, worthy of your trust.

Established in 1974 First State Bank has built a reputation of a strong, dependable bank. As times change so has the banking industry. Today, FSB offers a full line of innovative products such as Internet Banking, ATMs, voice response systems and more. There is one thing that FSB has not forgotten. . .YOU! One thing you will NEVER experience at FSB is an automated system answering our phone during banking hours. You will always have a friendly voice directing your call. At FSB we try to maintain the services you want with the conveniences you prefer. Banking may be changing, but First State Bank will be here to make it easy for you.