County banking markets / OK / 40143
TulsaOklahoma
FIPS 40143. 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 (476) and moderately concentrated on deposits (1,572).
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
130 branch offices and 29 institutions in 1994; 197 and 52 in 2025. Deposits booked in the county went from $5.71B to $33.49B, 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 | BOKF, National Association cert 4214 | $12.42B | 37.09% | 21 | 10.66% |
| 2 | Arvest Bank cert 8728 | $2.62B | 7.82% | 22 | 11.17% |
| 3 | Bank of America, National Association cert 3510 | $1.71B | 5.10% | 9 | 4.57% |
| 4 | JPMorgan Chase Bank, National Association cert 628 | $1.28B | 3.83% | 9 | 4.57% |
| 5 | Mabrey Bank cert 10667 | $1.13B | 3.36% | 8 | 4.06% |
| 6 | BancFirst cert 27476 | $1.12B | 3.34% | 9 | 4.57% |
| 7 | Regent Bank cert 4160 | $1.12B | 3.33% | 1 | 0.51% |
| 8 | MidFirst Bank cert 4063 | $1.08B | 3.22% | 10 | 5.08% |
| 9 | First Oklahoma Bank cert 12484 | $1.01B | 3.03% | 2 | 1.02% |
| 10 | Prosperity Bank cert 16835 | $895.4M | 2.67% | 9 | 4.57% |
| 11 | Security Bank cert 4178 | $799.2M | 2.39% | 1 | 0.51% |
| 12 | Gateway First Bank cert 15118 | $780.3M | 2.33% | 4 | 2.03% |
| 13 | Busey Bank cert 16450 | $567.7M | 1.69% | 1 | 0.51% |
| 14 | SpiritBank cert 4048 | $528.6M | 1.58% | 3 | 1.52% |
| 15 | Grand Bank cert 22065 | $514.4M | 1.54% | 2 | 1.02% |
| 16 | First Bank of Owasso cert 18592 | $499.8M | 1.49% | 3 | 1.52% |
| 17 | Vast Bank, National Association cert 23737 | $485.1M | 1.45% | 4 | 2.03% |
| 18 | RCB Bank cert 15399 | $465.6M | 1.39% | 5 | 2.54% |
| 19 | AVB Bank cert 2326 | $463.0M | 1.38% | 4 | 2.03% |
| 20 | Blue Sky Bank cert 14899 | $349.1M | 1.04% | 2 | 1.02% |
| 21 | First Pryority Bank cert 4185 | $327.3M | 0.98% | 1 | 0.51% |
| 22 | International Bank of Commerce cert 59093 | $298.4M | 0.89% | 11 | 5.58% |
| 23 | The Central Trust Bank cert 12633 | $280.0M | 0.84% | 5 | 2.54% |
| 24 | American Bank and Trust Company cert 20537 | $276.7M | 0.83% | 2 | 1.02% |
| 25 | American Heritage Bank cert 4190 | $258.7M | 0.77% | 7 | 3.55% |
| 26 | Commerce Bank cert 24998 | $209.2M | 0.62% | 2 | 1.02% |
| 27 | Firstar Bank cert 19288 | $206.3M | 0.62% | 1 | 0.51% |
| 28 | Triad Bank, National Association cert 24677 | $195.8M | 0.58% | 2 | 1.02% |
| 29 | The First National Bank and Trust Company of Broken Arrow cert 4050 | $185.8M | 0.55% | 1 | 0.51% |
| 30 | Bank 7 cert 4147 | $182.4M | 0.54% | 1 | 0.51% |
| 31 | Legacy Bank & Trust Company cert 22319 | $150.4M | 0.45% | 1 | 0.51% |
| 32 | American Bank of Oklahoma cert 34606 | $137.4M | 0.41% | 1 | 0.51% |
| 33 | Simmons Bank cert 3890 | $131.7M | 0.39% | 1 | 0.51% |
| 34 | Oklahoma Capital Bank cert 18856 | $121.0M | 0.36% | 2 | 1.02% |
| 35 | Armstrong Bank cert 2315 | $102.8M | 0.31% | 3 | 1.52% |
| 36 | Equity Bank cert 25858 | $102.7M | 0.31% | 1 | 0.51% |
| 37 | MapleMark Bank cert 3182 | $92.8M | 0.28% | 1 | 0.51% |
| 38 | Stride Bank, National Association cert 4091 | $76.6M | 0.23% | 1 | 0.51% |
| 39 | UMB Bank, National Association cert 8273 | $70.0M | 0.21% | 1 | 0.51% |
| 40 | Fidelity Bank, National Association cert 30895 | $54.0M | 0.16% | 1 | 0.51% |
| 41 | The City National Bank and Trust Company of Lawton, Oklahoma cert 4132 | $37.5M | 0.11% | 9 | 4.57% |
| 42 | The Exchange Bank cert 10672 | $35.8M | 0.11% | 2 | 1.02% |
| 43 | First Fidelity Bank cert 23473 | $34.9M | 0.10% | 1 | 0.51% |
| 44 | BMO Bank National Association cert 16571 | $32.6M | 0.10% | 2 | 1.02% |
| 45 | Spiro State Bank cert 16908 | $23.8M | 0.07% | 1 | 0.51% |
| 46 | All Capital Bank cert 16795 | $19.3M | 0.06% | 1 | 0.51% |
| 47 | Bank of Commerce cert 13274 | $6.1M | 0.02% | 1 | 0.51% |
| 48 | The Bank, National Association cert 4146 | $4.0M | 0.01% | 1 | 0.51% |
| 49 | Patrons Bank, National Association cert 4170 | $3.3M | 0.01% | 1 | 0.51% |
| 50 | Chickasaw Community Bank cert 11521 | $3.0M | 0.01% | 1 | 0.51% |
| 51 | Great Southern Bank cert 29546 | $0K | 0.00% | 1 | 0.51% |
| 52 | TIB National Association cert 23647 | $0K | 0.00% | 1 | 0.51% |
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.