US Bank Directory
Banks in Ponca City, OK
5 FDIC-insured banks operate 10 offices in Ponca City, Oklahoma, and 1 credit union has 2 offices.
Source: FDIC BankFind, data as of September 5, 2026; NCUA call report as of March 31, 2026.
Bank branch map: Ponca City
Banks sit at the coordinates in their FDIC record; credit union offices at their NCUA address, located with the U.S. Census Bureau Geocoder. Point at a marker for today's hours, tap it for the address, directions and the bank's site.
Short answer: 6 banks and credit unions operate 12 locations in Ponca City, according to the FDIC and the NCUA. 12 of them have coordinates on record and are on the map. 2 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
12 locations on the map
Tap a cluster to zoom in
Positions are the regulators' own coordinates, or the Census Geocoder's point for the address, and can sit a few hundred feet from the door. Streets, buildings and parks come from OpenStreetMap through OpenFreeMap, with every street named as you zoom in; if that map cannot load, a simpler map drawn from the Census Bureau's TIGER/Line files takes its place. ATMs will follow with the Overture Maps import.
All banks and credit unions in Ponca City
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: RCB Bank has the most locations in Ponca City, with 4. It is followed by Equity Bank (3). 3 banks have a single office in the city. Open any bank to see each address, today's hours where the bank publishes them and the phone number.
RCB Bank Bank · 4
RCB Bank has 4 branches in Ponca City, 42 across Oklahoma and 62 nationwide. FDIC records list its main office in Claremore, OK and show it operating since 1936. With $3.98 billion in total assets on June 30, 2026, it ranks No. 339 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Ponca City location is the Rcb Bank Pioneer Branch at 1223 E Highland Ave, dating to 1902; the newest, at 2901 N 14th St, to 1984. It does not publish hours in the sources this page uses; check its site before you go.
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Rcb Bank Pioneer Branch1223 E Highland Ave, 74601
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Express Branch212 N 2nd St, 74601
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North 14Th Street Branch2901 N 14th St, 74601
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Motor Bank BranchTwo Lake Road, 74601
Equity Bank Bank · 3
Equity Bank has 3 branches in Ponca City, 14 across Oklahoma and 83 nationwide. FDIC records list its main office in Andover, KS and show it operating since 1985. With $7.71 billion in total assets on June 30, 2026, it ranks No. 204 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Ponca City location is the Ponca City Branch at 222 E Grand Ave, dating to 2004; the newest, at 1417 E Hartford Ave, to 2015. It does not publish hours in the sources this page uses; check its site before you go.
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Plaza Branch1417 E Hartford Ave, 74604
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Ponca City Branch222 E Grand Ave, 74601
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Northpark Branch802 E Prospect Ave, 74601
Cherokee Strip Credit Union Credit union · 2
Cherokee Strip Credit Union has 2 officees in Ponca City, 3 across Oklahoma. It is based in Ponca City, OK and $101.2 million in assets on March 31, 2026, according to its NCUA call report. None of its 2 Ponca City locations with published hours lists Saturday hours.
Who can join: see the credit union's site.
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Main Office main office1508 E Prospect Ave, 74604
All hours
Mon to Fri 8:30 am to 6 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
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West - Waverly Branch1508 W Hartford Ave, 74601
All hours
Mon to Fri 8:30 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Community National Bank & Trust Bank · 1
Community National Bank & Trust has 1 branch in Ponca City, 2 across Oklahoma and 44 nationwide. FDIC records list its main office in Chanute, KS and show it operating since 1987. With $2.53 billion in total assets on June 30, 2026, it ranks No. 501 of 4,232 U.S. banks by total assets. The Ponca City Branch at 709 E Prospect Ave dates to 2018 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Ponca City Branch709 E Prospect Ave, 74601
First National Bank of Oklahoma Bank · 1
First National Bank of Oklahoma has 1 branch in Ponca City, 4 across Oklahoma and 4 nationwide. FDIC records list its main office in Oklahoma City, OK and show it operating since 1917. With $949.9 million in total assets on June 30, 2026, it ranks No. 1,093 of 4,232 U.S. banks by total assets. The Ponca City Branch at 1501 E Prospect Ave dates to 2010 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Ponca City Branch1501 E Prospect Ave, 74604
The City National Bank and Trust Company of Lawton, Oklahoma Bank · 1
The City National Bank and Trust Company of Lawton, Oklahoma has 1 branch in Ponca City, 37 across Oklahoma and 39 nationwide. FDIC records list its main office in Lawton, OK and show it operating since 1901. With $446.2 million in total assets on June 30, 2026, it ranks No. 1,932 of 4,232 U.S. banks by total assets. The Ponca City Branch at 1101 E Prospect Ave dates to 2001 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Ponca City Branch1101 E Prospect Ave, 74601
Join a credit union in Ponca City
1 credit union has 2 offices here: Cherokee Strip Credit Union. Each office is listed above with the phone and the hours it filed with the NCUA (call report as of March 31, 2026). Who can join each one is on its own site; the credit unions in Ponca City page has every office in the state's directory.
Banking in Ponca City: the local picture
Short answer: 5 banks run 10 branches in Ponca City according to the FDIC. A population estimate for this place is not available from the Census Bureau, so branches per resident are not shown.
Of the 5 banks, 0 have their main office in Ponca City, 3 elsewhere in Oklahoma and 2 out of state, according to the FDIC.
The bank with the longest record here is The City National Bank and Trust Company of Lawton, Oklahoma, operating since 1901 according to the FDIC. In FDIC branch records, the longest-running branch is RCB Bank's office at 1223 E Highland Ave, dating to 1902; the newest is Community National Bank & Trust's at 709 E Prospect Ave, from 2018.
The only credit union with an office here is Cherokee Strip Credit Union.
Of the 2 locations with published hours. None open on Saturday. 10 locations have no published hours in these sources.
Banks by ZIP code in Ponca City
Offices grouped by the ZIP code in their FDIC or NCUA record.
Short answer: ZIP 74601 has the most bank and credit union offices in Ponca City (9), followed by 74604 (3). Offices are spread across 2 ZIP codes.
| ZIP code | Offices | Institutions | Most offices |
|---|---|---|---|
| 74601 | 9 | 5 | RCB Bank, Equity Bank, Cherokee Strip Credit Union |
| 74604 | 3 | 3 | Cherokee Strip Credit Union, Equity Bank, First National Bank of Oklahoma |
Saturday hours in Ponca City
Short answer: None of the 2 Ponca City locations with published hours lists Saturday hours. 10 locations do not publish hours in these sources; call ahead.
Credit union hours are the text each credit union filed with the NCUA, call report as of March 31, 2026; a day the filing does not mention is shown as not published, never as closed. Bank branches show hours only where the bank publishes them in a source this page uses; 10 of the 12 locations here have no published hours yet. The source and date sit under each office. Banks and credit unions often close on Federal Reserve holidays; call ahead.
Chase, Bank of America and other national banks
Which big national banks have branches in Ponca City, and where the nearest one is if they do not.
Short answer: No branches in Ponca City: Chase (nearest in Stillwater, 42 mi), Wells Fargo, Bank of America (nearest in Tulsa, 71 mi), PNC Bank, U.S. Bank, Truist, Fifth Third Bank, Huntington, Regions Bank, TD Bank, BMO (nearest in Enid, 50 mi).
| Bank | In Ponca City | Nearest branch if none here |
|---|---|---|
| Chase | None | Stillwater, 42 miles away |
| Wells Fargo | None | none in Oklahoma |
| Bank of America | None | Tulsa, 71 miles away |
| PNC Bank | None | none in Oklahoma |
| U.S. Bank | None | none in Oklahoma |
| Truist | None | none in Oklahoma |
| Fifth Third Bank | None | none in Oklahoma |
| Huntington | None | none in Oklahoma |
| Regions Bank | None | none in Oklahoma |
| TD Bank | None | none in Oklahoma |
| BMO | None | Enid, 50 miles away |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Ponca City to the nearest branch in Oklahoma.
What your savings could earn
National benchmarks and the best published offers, from the Banrox Bank Rates tracker. Enter your own balance and rate to compare.
Short answer: At the national average savings rate of 0.38%, $10,000 kept in savings for a year earns about $38. The best published savings rate in the tracker, 3.75% at CIT Bank, earns about $375. The national average 12-month CD pays 1.71%.
| Offer | Bank | APY | Term | Minimum |
|---|---|---|---|---|
| Savings | CIT Bank | 3.75% | none | $5,000 |
| Savings | Barclays | 3.50% | none | $0 |
| Savings | Marcus by Goldman Sachs | 3.40% | none | $0 |
| CD | Synchrony Bank | 4.35% | 60 Months | $0 |
| CD | Marcus by Goldman Sachs | 4.35% | 24 Months | $500 |
| CD | American Express National Bank | 4.25% | 10 Months | $0 |
Rates are the banks' published APYs as tracked on the Banrox Bank Rates page, with the date next to each benchmark; they are not offers from Banrox and can change daily. Interest is before tax. The best offers are mostly online banks and are open to Ponca City residents like anyone else.
Banks near Ponca City
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Newkirk (11 miles) and Blackwell (13 miles). Stillwater, 42 miles away, has the most banks nearby: 12.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Newkirk, OK | 11 mi | 2 | 2 |
| Banks in Blackwell, OK | 13 mi | 3 | 5 |
| Banks in Tonkawa, OK | 13 mi | 2 | 3 |
| Banks in Pawnee, OK | 31 mi | 2 | 2 |
| Banks in Perry, OK | 32 mi | 2 | 2 |
| Banks in Medford, OK | 37 mi | 2 | 2 |
| Banks in Pawhuska, OK | 42 mi | 3 | 3 |
| Banks in Stillwater, OK | 42 mi | 12 | 22 |
Bank branch openings and closings in Ponca City
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Ponca City between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Banks and credit unions based in Ponca City
Short answer: 1 institution has its main office in Ponca City: Cherokee Strip Credit Union.
| Institution | Type | Total assets, March 31, 2026 | Offices here |
|---|---|---|---|
| Cherokee Strip Credit Union | Credit union | $101.2 million | 2 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Ponca City by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Ponca City offices.
Short answer: Equity Bank is the largest bank with offices in Ponca City, with $7.71 billion in total assets on June 30, 2026, No. 204 among U.S. banks by total assets. RCB Bank is second with $3.98 billion. Local deposit shares will follow once the FDIC Summary of Deposits is imported.
| Bank | Total assets | Rank | Offices here | Main office |
|---|---|---|---|---|
| Equity Bank | $7.71 billion | No. 204 | 3 | Andover, KS |
| RCB Bank | $3.98 billion | No. 339 | 4 | Claremore, OK |
| Community National Bank & Trust | $2.53 billion | No. 501 | 1 | Chanute, KS |
| First National Bank of Oklahoma | $949.9 million | No. 1,093 | 1 | Oklahoma City, OK |
| The City National Bank and Trust Company of Lawton, Oklahoma | $446.2 million | No. 1,932 | 1 | Lawton, OK |
Total assets and ranks from FDIC BankFind as of June 30, 2026. Rank is among active banks that report total assets to the FDIC.
Banks in Ponca City: FAQ
How many banks are in Ponca City, OK?
Ponca City has 5 banks with 10 branches and 1 credit union with 2 offices, according to FDIC data as of September 5, 2026 and NCUA data as of March 31, 2026.
Which bank has the most branches in Ponca City?
RCB Bank, with 4. Equity Bank has 3 and Community National Bank & Trust has 1.
Is there a RCB Bank in Ponca City, OK?
Yes. FDIC data lists 4 RCB Bank branches in Ponca City as of September 5, 2026. Its branches are listed under RCB Bank above, with the address and directions for each.
Is there a Equity Bank in Ponca City, OK?
Yes. FDIC data lists 3 Equity Bank branches in Ponca City as of September 5, 2026. Its branches are listed under Equity Bank above, with the address and directions for each.
Is there a Community National Bank & Trust in Ponca City, OK?
Yes. FDIC data lists 1 Community National Bank & Trust branch in Ponca City as of September 5, 2026. The address and directions are under Community National Bank & Trust above.
Is there a Chase in Ponca City, OK?
No. FDIC data lists no Chase branch in Ponca City as of September 5, 2026. The nearest is in Stillwater, about 42 miles away in a straight line.
Which banks in Ponca City are open on Saturday?
None of the 2 locations with published hours lists Saturday hours. 10 locations do not publish hours in our sources; call ahead.
Which banks are headquartered in Ponca City?
Cherokee Strip Credit Union has its main office in Ponca City, according to the FDIC and the NCUA.
What is the oldest bank in Ponca City?
The City National Bank and Trust Company of Lawton, Oklahoma has the longest record among banks with a branch here: the FDIC shows it operating since 1901.
Which credit unions can I join in Ponca City?
Cherokee Strip Credit Union has an office in Ponca City. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Ponca City in the past year?
FDIC branch records show no branch openings between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Where can I find more banks near Ponca City?
Nearby cities with more banks include Newkirk, Blackwell, Tonkawa. Newkirk is 11 miles away with 2 banks.
How we build this page
Every figure above comes from one of these sources. Nothing is typed by hand, nothing is estimated.
| Data | Source | License | Updated | Data as of |
|---|---|---|---|---|
| FDIC-insured banks: branches, main offices, total assets, dates established | FDIC BankFind Suite API | Public data (U.S. government) | Monthly import | Sep 5, 2026 |
| Credit union offices, phones and hours as filed with the NCUA, total assets | NCUA call report data | Public data (U.S. government) | Quarterly import | Mar 31, 2026 |
| Map coordinates of 2 credit union offices whose NCUA record has none, from the office address | U.S. Census Bureau Geocoder | Public data (U.S. government) | With each NCUA import | Oct 19, 2026 |
| Savings and CD rates, national averages | Banrox Bank Rates | Banrox, from the banks' own rate pages and FDIC national rates | Weekly | see each rate |
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