County banking markets / OK / 40047
GarfieldOklahoma
FIPS 40047. 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 (992) and highly concentrated on deposits (5,549).
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
22 branch offices and 14 institutions in 1994; 22 and 14 in 2025. Deposits booked in the county went from $740.4M to $4.31B, 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 | Stride Bank, National Association cert 4091 | $3.18B | 73.62% | 3 | 13.64% |
| 2 | The Security National Bank of Enid cert 14966 | $357.7M | 8.29% | 3 | 13.64% |
| 3 | Cowboy Bank cert 11526 | $271.9M | 6.30% | 4 | 18.18% |
| 4 | InterBank cert 27210 | $121.0M | 2.81% | 1 | 4.55% |
| 5 | Great Plains National Bank cert 34207 | $92.1M | 2.14% | 1 | 4.55% |
| 6 | BOKF, National Association cert 4214 | $84.1M | 1.95% | 1 | 4.55% |
| 7 | NBC OKLAHOMA cert 4032 | $67.6M | 1.57% | 1 | 4.55% |
| 8 | Alva State Bank & Trust Company cert 9465 | $46.1M | 1.07% | 1 | 4.55% |
| 9 | ACB Bank cert 4061 | $29.0M | 0.67% | 2 | 9.09% |
| 10 | BMO Bank National Association cert 16571 | $26.2M | 0.61% | 1 | 4.55% |
| 11 | First Bank & Trust Company cert 13946 | $21.9M | 0.51% | 1 | 4.55% |
| 12 | The First State Bank of Pond Creek, Oklahoma cert 11527 | $7.6M | 0.18% | 1 | 4.55% |
| 13 | Dream First Bank, National Association cert 4779 | $7.5M | 0.17% | 1 | 4.55% |
| 14 | The City National Bank and Trust Company of Lawton, Oklahoma cert 4132 | $5.3M | 0.12% | 1 | 4.55% |
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.