County banking markets / OK / 40049
GarvinOklahoma
FIPS 40049. 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 (1,420) and moderately concentrated on deposits (1,639).
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
13 branch offices and 10 institutions in 1994; 18 and 11 in 2025. Deposits booked in the county went from $283.7M to $1.03B, 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 | The Pauls Valley National Bank cert 4173 | $275.6M | 26.80% | 5 | 27.78% |
| 2 | Old Glory Bank cert 18924 | $221.9M | 21.58% | 1 | 5.56% |
| 3 | First United Bank and Trust Company cert 4239 | $157.9M | 15.36% | 3 | 16.67% |
| 4 | The State Bank of Wynnewood cert 4232 | $97.7M | 9.50% | 1 | 5.56% |
| 5 | American Exchange Bank, Lindsay, Oklahoma cert 2328 | $83.6M | 8.13% | 1 | 5.56% |
| 6 | First Bank & Trust Co. cert 27394 | $45.6M | 4.43% | 1 | 5.56% |
| 7 | BancFirst cert 27476 | $38.8M | 3.78% | 1 | 5.56% |
| 8 | International Bank of Commerce cert 59093 | $33.9M | 3.30% | 2 | 11.11% |
| 9 | Simmons Bank cert 3890 | $26.9M | 2.62% | 1 | 5.56% |
| 10 | Oklahoma Heritage Bank cert 22855 | $26.0M | 2.53% | 1 | 5.56% |
| 11 | Farmers and Merchants Bank cert 4144 | $20.1M | 1.95% | 1 | 5.56% |
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.