County banking markets / OK / 40027
ClevelandOklahoma
FIPS 40027. Branch offices reported to the FDIC Summary of Deposits, June 30 of each survey year, 1994–2025. One of 77 counties in Oklahoma’s 2025 survey.
Concentration, 1994–2025
Branch-count HHI squares each institution’s share of the county’s branch offices; deposit HHI squares its share of county deposits. The bands are the 2010 Horizontal Merger Guidelines classification, the dashed line the 1,800 level above which the Federal Reserve reviews a merger centrally. In 2025 this market is unconcentrated on branches (632) and unconcentrated on deposits (833).
Source: FDIC Summary of Deposits | DOJ & FTC, Horizontal Merger Guidelines (2010), section 5.3 | Federal Reserve, Competitive Effects of Mergers and Acquisitions FAQs Both indices computed from the SOD branch rows for this county, June 30 of each survey year. Neither is the Fed's screen HHI: no thrift weighting, no exclusion of specialty and internet banks, no central-booking adjustment. Methodology
Branches and institutions
29 branch offices and 16 institutions in 1994; 69 and 28 in 2025. Deposits booked in the county went from $825.8M to $5.60B, nominal.
Source: FDIC Summary of Deposits FDIC Summary of Deposits, June 30 of each survey year, 1994-2025. Methodology
Who holds the deposits, 2025
Every institution with a branch in the county, ranked by deposits booked here. Both shares are shown because they are the two indices above: squaring and summing the deposit column gives the deposit HHI, the branch column the branch-count HHI.
| # | Institution | Deposits | Deposit share | Branches | Branch share |
|---|---|---|---|---|---|
| 1 | MidFirst Bank cert 4063 | $719.7M | 12.84% | 7 | 10.14% |
| 2 | Armstrong Bank cert 2315 | $633.0M | 11.30% | 5 | 7.25% |
| 3 | BancFirst cert 27476 | $593.9M | 10.60% | 7 | 10.14% |
| 4 | Arvest Bank cert 8728 | $585.4M | 10.45% | 8 | 11.59% |
| 5 | First United Bank and Trust Company cert 4239 | $572.8M | 10.22% | 5 | 7.25% |
| 6 | First Fidelity Bank cert 23473 | $540.3M | 9.64% | 6 | 8.70% |
| 7 | JPMorgan Chase Bank, National Association cert 628 | $391.4M | 6.99% | 3 | 4.35% |
| 8 | BOKF, National Association cert 4214 | $250.7M | 4.47% | 2 | 2.90% |
| 9 | Bank of America, National Association cert 3510 | $231.9M | 4.14% | 1 | 1.45% |
| 10 | First-Citizens Bank & Trust Company cert 11063 | $228.4M | 4.08% | 1 | 1.45% |
| 11 | Valliance Bank cert 57841 | $130.1M | 2.32% | 1 | 1.45% |
| 12 | Intrust Bank, National Association cert 4799 | $86.7M | 1.55% | 2 | 2.90% |
| 13 | Great Nations Bank cert 58680 | $84.3M | 1.50% | 1 | 1.45% |
| 14 | First Liberty Bank cert 14029 | $76.5M | 1.36% | 1 | 1.45% |
| 15 | McClain Bank cert 4187 | $66.1M | 1.18% | 2 | 2.90% |
| 16 | International Bank of Commerce cert 59093 | $62.8M | 1.12% | 3 | 4.35% |
| 17 | First Bank & Trust Co. cert 27394 | $59.2M | 1.06% | 2 | 2.90% |
| 18 | First State Bank cert 9879 | $57.1M | 1.02% | 1 | 1.45% |
| 19 | Great Plains National Bank cert 34207 | $45.7M | 0.82% | 1 | 1.45% |
| 20 | Liberty National Bank cert 11522 | $39.4M | 0.70% | 1 | 1.45% |
| 21 | RCB Bank cert 15399 | $36.6M | 0.65% | 1 | 1.45% |
| 22 | Prosperity Bank cert 16835 | $29.8M | 0.53% | 1 | 1.45% |
| 23 | Prism Bank cert 5994 | $28.1M | 0.50% | 1 | 1.45% |
| 24 | FNB Community Bank cert 16127 | $17.0M | 0.30% | 1 | 1.45% |
| 25 | Vision Bank cert 4029 | $11.8M | 0.21% | 1 | 1.45% |
| 26 | BMO Bank National Association cert 16571 | $11.4M | 0.20% | 1 | 1.45% |
| 27 | First National Bank and Trust Company of Ardmore cert 4037 | $9.9M | 0.18% | 1 | 1.45% |
| 28 | The City National Bank and Trust Company of Lawton, Oklahoma cert 4132 | $3.5M | 0.06% | 2 | 2.90% |
Source: FDIC Summary of Deposits June 30, 2025. Branch rows grouped by FDIC certificate; names as reported to the survey. Deposit share is n/a where the county's total SOD deposits are zero. Methodology
Back to county banking markets, up to Oklahoma, or read the methodology for the two HHI constructions and what they cannot tell you.