Oklahoma Banks

172 FDIC-insured banks · Average health score 44/100 · 8 failures since 2000

A
8
banks
B
35
banks
C
28
banks
D
34
banks
F
67
banks

Banking in Oklahoma — What the FDIC Data Shows

Oklahoma is home to 172 FDIC-insured banks holding a combined $206.2B in total assets and $160.6B in customer deposits. The average PlainBankData health score across all Oklahoma banks is 44/100, derived from four FDIC Call Report metrics: Tier 1 Capital Ratio, Return on Assets, Texas Ratio, and Efficiency Ratio. The largest institution headquartered in the state is BOKF, National Association of Tulsa, with $52.0B in assets and a health grade of C.

Looking at the grade distribution, 43 banks (25%) earn an A or B grade — signaling strong capital ratios and healthy profitability — while 28 sit at Grade C (meeting regulatory minimums with some areas to monitor) and 101 (59%) carry a D or F grade, indicating notable financial weaknesses in one or more of the four scoring pillars. Since 2000, Oklahoma has seen 8 bank failures tracked on the FDIC Failed Bank List. Most of those failures clustered during the 2008–2010 financial crisis, with resolution typically handled through acquisition by a stronger institution.

Not financial advice. These figures are drawn from public FDIC Call Reports and the FDIC Failed Bank List. Health grades are PlainBankData's interpretation of regulatory filings, not official FDIC ratings or endorsements. A lower grade does not mean your money is at risk — every dollar on deposit at any FDIC-insured bank is protected up to $250,000 per depositor, per ownership category, regardless of the institution's financial condition. For decisions about where to hold deposits or business funds, consult a qualified financial professional and verify figures directly at the FDIC's BankFind Suite.

Bank Assets Grade
BOKF, National Association $52.0B C
MidFirst Bank $41.4B B
First United Bank and Trust Company $16.3B C
BancFirst $12.1B B
InterBank $5.5B C
Stride Bank, National Association $4.9B A
RCB Bank $4.1B B
First Fidelity Bank $2.9B F
Armstrong Bank $2.7B C
Gateway First Bank $2.0B D
Regent Bank $2.0B C
Mabrey Bank $2.0B C
Bank 7 $2.0B B
Great Plains National Bank $1.9B C
International Bank of Commerce $1.6B B
American Heritage Bank $1.4B C
Sovereign Bank $1.4B F
Liberty National Bank $1.3B B
Blue Sky Bank $1.3B F
First Oklahoma Bank $1.3B F
Firstar Bank $1.1B B
The First National Bank and Trust Co., Chickasha, Oklahoma $1.1B D
Kirkpatrick Bank $1.0B C
Grand Savings Bank $1.0B D
MapleMark Bank $1.0B D
Vision Bank $959M C
First Bank & Trust Co. $948M B
SpiritBank $936M C
First National Bank of Oklahoma $912M B
Security Bank $898M B
First Liberty Bank $851M B
Quail Creek Bank $822M B
F&M Bank $810M F
Valliance Bank $803M F
American Nation Bank $684M F
First National Bank and Trust Company of Ardmore $672M F
Legacy Bank $661M C
Grand Bank $654M B
Prism Bank $645M C
FirstBank $645M F
Alva State Bank & Trust Company $631M A
All America Bank $594M C
Frontier State Bank $588M D
First Bank of Owasso $584M A
Cattlemens Bank $579M F
Panhandle First Bank $569M B
Vast Bank, National Association $565M D
First National Bank & Trust Company of McAlester $564M B
AVB Bank $548M C
First Pryority Bank $524M C
Shamrock Bank, N.A. $486M F
FSNB, National Association $479M F
The Bank, National Association $477M F
FNB Community Bank $475M C
Ameristate Bank $467M F
Bank of Western Oklahoma $463M B
Chickasaw Community Bank $436M D
The City National Bank and Trust Company of Lawton, Oklahoma $435M F
Welch State Bank of Welch, Okla. $434M F
Local Bank $429M D
Exchange Bank and Trust Company $418M C
The Citizens Bank of Edmond $418M D
Watermark Bank $407M B
Anchor D Bank $395M B
Security State Bank of Oklahoma $395M A
The Security National Bank of Enid $390M B
McCurtain County National Bank $383M F
The Community State Bank $380M C
Cowboy Bank $369M D
Bank of Commerce $352M F
The Pauls Valley National Bank $349M C
Frazer Bank $345M C
Citizens Bank of Ada $343M B
Sooner State Bank $331M D
The Bankers Bank $330M C
American Bank and Trust Company $323M F
Citizens Bank and Trust Company of Ardmore $320M B
Patrons Bank, National Association $298M C
The Payne County Bank $295M D
The First National Bank & Trust $294M D
First Bethany Bank & Trust $291M F
The Stock Exchange Bank $290M F
VALOR BANK $287M B
The First Security Bank $285M F
McClain Bank $282M D
The First National Bank and Trust Company of Broken Arrow $278M A
Security State Bank $277M D
Old Glory Bank $257M D
First Security Bank and Trust Company $255M F
The Idabel National Bank $254M B
YNB $249M D
First Bank & Trust Company $245M D
Method Bank $244M F
Bank of Grand Lake $236M A
First Texoma National Bank $218M F
High Plains Bank $212M D
Oklahoma Bank and Trust Company $209M B
The First National Bank and Trust Company of Miami $207M F
First Enterprise Bank $198M F
Triad Bank, National Association $198M D
THE SEILING STATE BANK $196M D
The Farmers State Bank $191M C
Bank of Commerce $186M B
The Bank of Beaver City $180M F
Oklahoma Capital Bank $176M F
The Bank of the West $175M B
The Peoples National Bank of Checotah $169M B
Bank of Hydro $168M D
The First State Bank $167M D
Carson Community Bank $165M F
All Capital Bank $162M D
The Exchange Bank $153M F
Security Bank and Trust Company $152M C
First State Bank $146M F
ACB Bank $143M F
Security First National Bank of Hugo $139M D
The First Bank of Okarche $138M D
SNB Bank, National Association $136M F
Community Bank $133M F
The Farmers and Merchants National Bank of Fairview $131M F
COREBANK $126M F
FNB Coweta $124M D
Spiro State Bank $117M F
The Farmers Bank $115M F
Great Nations Bank $114M C
Community Bank $111M B
Cleo State Bank $111M D
First Bank $110M A
Oklahoma Heritage Bank $105M F
First National Bank $102M B
First State Bank $102M B
The State Bank of Wynnewood $101M F
American Exchange Bank $97M F
The State Exchange Bank $95M F
Bank of Eufaula $92M F
American Exchange Bank, Lindsay, Oklahoma $91M F
The First National Bank of Hooker $89M B
First State Bank $83M F
First State Bank $81M F
Farmers and Merchants Bank $80M D
Community State Bank $79M C
Southwest Bank of Weatherford $79M B
AllNations Bank $77M D
The First National Bank in Marlow $70M F
Walters Bank and Trust Company $70M F
Community State Bank of Canton $69M F
Latimer State Bank $65M A
Oklahoma State Bank $64M B
BANK360 $63M B
Grant County Bank $63M F
Washita Valley Bank $61M C
COMMUNITY BANK OF OKLAHOMA $61M F
Fairview Savings and Loan Association $61M F
The First State Bank of Pond Creek, Oklahoma $58M F
The First Farmers National Bank of Waurika $57M F
First Bank and Trust Company $55M D
Farmers State Bank, Allen, Oklahoma $54M D
First Bank of Thomas $53M B
Lakeside Bank of Salina $53M D
First State Bank $52M F
Peoples Bank and Trust Company $47M D
Washita State Bank $44M F
1st Bank in Hominy $43M F
First American Bank $35M F
First Summit Bank $35M F
The Hopeton State Bank $32M F
Bank of Vici $29M F
First State Bank in Temple $26M F
Farmers and Merchants Bank $23M F
The First National Bank of Fletcher $22M F
Farmers & Merchants Bank $19M F
Peoples State Bank $14M F

How to Read the Oklahoma Bank Directory

This page lists every FDIC-insured bank with a primary regulatory address in Oklahoma. Inclusion does not depend on charter type — both state-chartered and nationally-chartered banks appear here when the FDIC institution directory places their headquarters in this state. Branch locations, ATM networks, and credit unions are NOT in scope; this is a headquarters-anchored view. The 172 institutions shown reflect the most recent quarterly FDIC release; counts will change at each refresh as institutions merge, are acquired, or close.

Health Grade Interpretation

Each bank's letter grade (A through F) is computed from four FDIC-reported metrics: Tier 1 capital ratio, return on assets, the Texas Ratio (non-performing assets ÷ tangible capital), and the efficiency ratio. Grades are relative — every quarter we recompute thresholds against the full FDIC universe, so a "B" today may have been an "A" last cycle if the median improved. Across Oklahoma, 43 institutions (25%) currently sit in the A or B band, while 101 (59%) fall in the D or F band. The C cluster — the broad middle — typically captures roughly half of any state's banks and is not a warning signal on its own.

What State Concentration Tells You

Banks register their headquarters in Oklahoma for several distinct reasons: regional community service (the bulk of small community banks), favorable trust law (a handful of states attract large national fiduciary operations), regulatory familiarity, or historic charter inheritance. A high concentration of total assets in a single state — South Dakota, Delaware, and Ohio are well-known examples — usually reflects a few very large institutions choosing the state for tax or regulatory reasons, not breadth of local banking competition. Below the top of the table, the long tail of mid-sized and community banks gives a clearer picture of local market structure.

When Failures Matter

Since 2000, 8 banks headquartered in Oklahoma have failed. Every depositor at those banks was made whole up to the standard FDIC insurance ceiling (currently $250,000 per depositor, per ownership category, per institution). Bank failures cluster around macro events (the 2008-2010 wave, the regional bank stress of 2023) rather than steady attrition, so a clean recent record at the state level does not imply state-level safety — it usually reflects the absence of a triggering shock. The "Under Stress" ranking is more useful for forward-looking comfort than the historical failure count, because it scores current capital and credit-loss capacity.

Sources, Refresh Cadence, and Corrections

Every figure on this page derives from the FDIC Quarterly Banking Profile and the FDIC Institution Directory, both of which are public-domain government datasets. We re-pull the data on the FDIC's schedule (a quarterly release plus monthly institution-directory delta files for merger and closure events). Asset and capital figures are reported as of the most recent quarter-end and lag the calendar by approximately ninety days — this is the FDIC's reporting lag, not ours. If a specific bank record looks wrong (renaming, merger, missing fields), the contact page accepts corrections; we reconcile them against the source feed at the next refresh.

Read our methodology — how this data is sourced, computed, and verified.

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Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainBankData Editorial