First State Bank

Your Hometown Bank

Expired Card? No Problem.

If your card is expired or becomes deactivated, call, visit, or drive-thru our branch in Watonga, OK to order a new one free of charge. In most cases, we can replace your card on the same day we receive your request.

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Account Opening

Our account opening specialists are here to help you find the best fit for your financial goals. Explore our personal and business accounts and submit an application online today.

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FSB Since 1974

We’re not just your bank—we’re your family, friends, and neighbors! We are committed to making a difference in the communities we serve and proud to invest back right here where it matters most.

About Us

Bank On The Go with
Your Bank On Main!

Life doesn’t wait for banking hours. With FSB Mobile, you don’t have to either! Manage your personal and business accounts on-the-go with our free mobile banking app.

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Make Loan Payments
Transfer Funds
Deposit Checks

Learn, Grow, & Thrive

It’s never too early—or too late—to take control of your finances. At First State Bank, you have access to money management and financial education tools to help you every step of the way.

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