County banking markets / OK / 40109
OklahomaOklahoma
FIPS 40109. 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 (387) and unconcentrated on deposits (1,310).
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
160 branch offices and 44 institutions in 1994; 236 and 61 in 2025. Deposits booked in the county went from $6.96B to $44.71B, 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 | $13.09B | 29.28% | 20 | 8.47% |
| 2 | BOKF, National Association cert 4214 | $6.83B | 15.27% | 12 | 5.08% |
| 3 | JPMorgan Chase Bank, National Association cert 628 | $3.83B | 8.57% | 12 | 5.08% |
| 4 | Bank of America, National Association cert 3510 | $3.71B | 8.30% | 7 | 2.97% |
| 5 | BancFirst cert 27476 | $2.91B | 6.51% | 23 | 9.75% |
| 6 | First Fidelity Bank cert 23473 | $1.10B | 2.46% | 12 | 5.08% |
| 7 | Arvest Bank cert 8728 | $810.0M | 1.81% | 10 | 4.24% |
| 8 | Quail Creek Bank cert 21848 | $717.2M | 1.60% | 1 | 0.42% |
| 9 | Bank 7 cert 4147 | $689.7M | 1.54% | 1 | 0.42% |
| 10 | Kirkpatrick Bank cert 20156 | $599.6M | 1.34% | 4 | 1.69% |
| 11 | First Liberty Bank cert 14029 | $593.8M | 1.33% | 1 | 0.42% |
| 12 | Prosperity Bank cert 16835 | $540.8M | 1.21% | 8 | 3.39% |
| 13 | InterBank cert 27210 | $522.4M | 1.17% | 5 | 2.12% |
| 14 | NBC OKLAHOMA cert 4032 | $515.8M | 1.15% | 2 | 0.85% |
| 15 | Busey Bank cert 16450 | $489.1M | 1.09% | 2 | 0.85% |
| 16 | Frontier State Bank cert 21978 | $477.6M | 1.07% | 1 | 0.42% |
| 17 | First National Bank of Oklahoma cert 4211 | $430.5M | 0.96% | 2 | 0.85% |
| 18 | FNB Community Bank cert 16127 | $408.8M | 0.91% | 6 | 2.54% |
| 19 | International Bank of Commerce cert 59093 | $406.7M | 0.91% | 10 | 4.24% |
| 20 | Chickasaw Community Bank cert 11521 | $383.0M | 0.86% | 1 | 0.42% |
| 21 | The Citizens Bank of Edmond cert 4084 | $378.9M | 0.85% | 2 | 0.85% |
| 22 | Valliance Bank cert 57841 | $371.6M | 0.83% | 2 | 0.85% |
| 23 | Prism Bank cert 5994 | $346.3M | 0.77% | 2 | 0.85% |
| 24 | Sovereign Bank cert 25738 | $335.0M | 0.75% | 3 | 1.27% |
| 25 | Simmons Bank cert 3890 | $317.5M | 0.71% | 5 | 2.12% |
| 26 | First United Bank and Trust Company cert 4239 | $308.8M | 0.69% | 4 | 1.69% |
| 27 | Watermark Bank cert 59148 | $298.6M | 0.67% | 1 | 0.42% |
| 28 | VALOR BANK cert 9467 | $253.2M | 0.57% | 1 | 0.42% |
| 29 | Regent Bank cert 4160 | $252.2M | 0.56% | 2 | 0.85% |
| 30 | First Bethany Bank & Trust cert 4228 | $251.4M | 0.56% | 3 | 1.27% |
| 31 | RCB Bank cert 15399 | $236.0M | 0.53% | 7 | 2.97% |
| 32 | Intrust Bank, National Association cert 4799 | $221.2M | 0.49% | 4 | 1.69% |
| 33 | Fidelity Bank, National Association cert 30895 | $211.2M | 0.47% | 4 | 1.69% |
| 34 | The Bankers Bank cert 26677 | $204.8M | 0.46% | 1 | 0.42% |
| 35 | First Enterprise Bank cert 4049 | $180.0M | 0.40% | 6 | 2.54% |
| 36 | First Security Bank and Trust Company cert 17001 | $176.2M | 0.39% | 1 | 0.42% |
| 37 | Gateway First Bank cert 15118 | $163.9M | 0.37% | 1 | 0.42% |
| 38 | Legacy Bank cert 4042 | $140.2M | 0.31% | 2 | 0.85% |
| 39 | Sooner State Bank cert 402 | $110.8M | 0.25% | 3 | 1.27% |
| 40 | Mabrey Bank cert 10667 | $98.7M | 0.22% | 1 | 0.42% |
| 41 | UMB Bank, National Association cert 8273 | $97.1M | 0.22% | 2 | 0.85% |
| 42 | Great Plains National Bank cert 34207 | $93.3M | 0.21% | 3 | 1.27% |
| 43 | Commerce Bank cert 24998 | $91.3M | 0.20% | 1 | 0.42% |
| 44 | BMO Bank National Association cert 16571 | $82.1M | 0.18% | 6 | 2.54% |
| 45 | First-Citizens Bank & Trust Company cert 11063 | $70.7M | 0.16% | 1 | 0.42% |
| 46 | The First National Bank and Trust Co., Chickasha, Oklahoma cert 4062 | $49.3M | 0.11% | 1 | 0.42% |
| 47 | Frazer Bank cert 4031 | $47.4M | 0.11% | 1 | 0.42% |
| 48 | The Central Trust Bank cert 12633 | $46.4M | 0.10% | 3 | 1.27% |
| 49 | F&M Bank cert 12761 | $40.5M | 0.09% | 2 | 0.85% |
| 50 | The City National Bank and Trust Company of Lawton, Oklahoma cert 4132 | $37.6M | 0.08% | 10 | 4.24% |
| 51 | Stride Bank, National Association cert 4091 | $31.8M | 0.07% | 1 | 0.42% |
| 52 | The Farmers Bank cert 4054 | $24.3M | 0.05% | 1 | 0.42% |
| 53 | All America Bank cert 20093 | $20.6M | 0.05% | 1 | 0.42% |
| 54 | Peoples Bank and Trust Company cert 2331 | $20.5M | 0.05% | 1 | 0.42% |
| 55 | YNB cert 4235 | $19.5M | 0.04% | 1 | 0.42% |
| 56 | First Bank & Trust Co. cert 27394 | $11.5M | 0.03% | 1 | 0.42% |
| 57 | Shamrock Bank, N.A. cert 4236 | $6.5M | 0.01% | 1 | 0.42% |
| 58 | The Bank of the West cert 25703 | $3.6M | 0.01% | 1 | 0.42% |
| 59 | First National Bank and Trust Company of Ardmore cert 4037 | $2.3M | 0.01% | 1 | 0.42% |
| 60 | Armstrong Bank cert 2315 | $84K | 0.00% | 1 | 0.42% |
| 61 | COREBANK cert 18063 | $2K | 0.00% | 1 | 0.42% |
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.