County banking markets / OK / 40051
GradyOklahoma
FIPS 40051. 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 (1,349) and moderately concentrated on deposits (2,434).
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
14 branch offices and 12 institutions in 1994; 17 and 12 in 2025. Deposits booked in the county went from $392.4M to $1.41B, 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 First National Bank and Trust Co., Chickasha, Oklahoma cert 4062 | $613.3M | 43.59% | 5 | 29.41% |
| 2 | Liberty National Bank cert 11522 | $236.1M | 16.78% | 1 | 5.88% |
| 3 | MidFirst Bank cert 4063 | $153.9M | 10.94% | 1 | 5.88% |
| 4 | Arvest Bank cert 8728 | $83.0M | 5.90% | 1 | 5.88% |
| 5 | Great Plains National Bank cert 34207 | $76.7M | 5.45% | 1 | 5.88% |
| 6 | Sooner State Bank cert 402 | $74.5M | 5.29% | 1 | 5.88% |
| 7 | Simmons Bank cert 3890 | $68.9M | 4.90% | 1 | 5.88% |
| 8 | COMMUNITY BANK OF OKLAHOMA cert 4217 | $42.2M | 3.00% | 2 | 11.76% |
| 9 | Bank of Commerce cert 57491 | $31.5M | 2.24% | 1 | 5.88% |
| 10 | International Bank of Commerce cert 59093 | $19.6M | 1.39% | 1 | 5.88% |
| 11 | The City National Bank and Trust Company of Lawton, Oklahoma cert 4132 | $4.1M | 0.29% | 1 | 5.88% |
| 12 | The First National Bank in Marlow cert 26260 | $3.1M | 0.22% | 1 | 5.88% |
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.