The catalogue › United States › Southwest › Oklahoma
The state note · prepared 7 September 2026

Oklahoma

170 banks and 53 credit unions read from their latest filings, every institution ranked against the rest of the state.

Small-business lending ↓

Banks

170 banks filing · read from the 30 June 2026 Call Report
170
banks filing
$213B in assets
+6.0%
Loans, year over year
median; 54 above 10%, 54 shrinking
26.3%
CRE / loans
median
78.8%
Loans / deposits
median
0.69%
NPA / loans
median
10.5%
Equity / assets
median

Oklahoma's 170 banks hold $213B in assets at 30 June 2026. BOKF National Association is the largest at $53.0B, and the five largest hold 61% of the total; 25 institutions are above $1B, holding $170B.

Loans grew a median +6.0% in the year to 30 June 2026: 54 institutions grew faster than 10% and 54 shrank. The median bank lends 79% of its deposits and holds commercial real estate at 26.3% of loans. Nonperforming loans sit at a median 0.69% of the book, return on assets at 1.40%, and equity at 10.5% of assets.

16 of the 170 are in the catalogue, each read from its own filing beside the banks its size in the state: BOKF National Association, MidFirst Bank, First United Bank & Trust Co., Bancfirst, Stride Bank National Association, Interbank, RCB Bank, First Fidelity Bank, Armstrong Bank, Vision Bank, First Bank & Trust Co., First National Bank of Oklahoma, Security Bank, Valliance Bank, F & M Bank, Spiritbank.

Who holds the state's assetseach institution's share of the $213B the state's 170 hold; the largest first, amber in the catalogue
BOKF National Association: 24.9%BN25%MidFirst Bank: 20.2%MB20%First United Bank & Trust Co.: 7.8%FU8%Bancfirst: 6.0%BStride Bank National Association: 2.5%Interbank: 2.5%RCB Bank: 1.9%First Fidelity Bank: 1.4%Armstrong Bank: 1.3%Regent Bank: 1.1%160 others 30%BNBOKF National Associa…24.9%MBMidFirst Bank20.2%FUFirst United Bank & T…7.8%BBancfirst6.0%SBStride Bank National …2.5%IInterbank2.5%RBRCB Bank1.9%FFFirst Fidelity Bank1.4%ABArmstrong Bank1.3%RBRegent Bank1.1%

BOKF National Association holds 24.9% of the state's bank assets; the five largest hold 61%, and 25 of the 170 are above $1B.

How concentrated that iscumulative share of assets against the share of institutions, largest first; the Gini from the drawn curve
0%0%25%25%50%50%75%75%100%100%equal sharesThe largestBOKF National Association: 25% of the totalThe five largest61% of the totalThe ten largest70% of the totalGINI0.80 = equal shares · 1 = one holds everythingshare of institutions, largest first →↑ share of the total

The curve's distance from the diagonal is the concentration: 61% of the assets in 3% of the institutions. A Gini near zero would mean equal shares; one would mean a single holder.

What the state's banks lendthe loan book of every bank in the state, summed by category as filed
1-4 family residential, closed-end29.0%$41.6BNonfarm nonresidential, non-owner-occupied17.6%$25.3BCommercial & industrial16.9%$24.3BNonfarm nonresidential, owner-occupied10.8%$15.4BConstruction & land7.9%$11.4BMultifamily4.3%$6.1BFarmland2.4%$3.4BOther loans and leases2.3%$3.3BCredit card2.1%$2.9BAgricultural production2.0%$2.9BHome equity lines1.7%$2.4BConsumer, other1.3%$1.8BStates & municipalities1.0%$1.4BAuto0.9%$1.2B

1-4 family residential, closed-end is the largest category at 29.0% of the state's $143B in loans, then Nonfarm nonresidential, non-owner-occupied at 17.6% and Commercial & industrial at 16.9%.

Loans, year over yearOklahoma banks, 30 June 2026 against a year earlier · no better direction, largest first · the 25 highest of 170 · amber, in the catalogue
state median +6.0% SB SSB Bank +81.1% PB Peoples Bank & Trust Co. +71.0% FS First Security Bank +55.7% HS Hopeton State Bank +54.3% HP High Plains Bank +49.8% SB Stride Bank National Association +46.1% AC All Capital Bank +45.9% OG Old Glory Bank +39.4% FS First State Bank in Temple +38.6% PB Prism Bank +36.9% FB Farmers Bank +33.3% OC Oklahoma Capital Bank +30.9% BN Bank National Association +26.1% WB Watermark Bank +26.0% AB Allnations Bank +24.4% VB Valliance Bank +24.2% MB Method Bank +24.1% FS First State Bank +22.6% CC Chickasaw Community Bank +22.1% RB Regent Bank +21.9% SB Sovereign Bank +20.4% PB Patrons Bank National Association +20.2% AB Armstrong Bank +19.7% FN First National Bank & Trust Co. B… +19.5% LB Local Bank +17.7%

SSB Bank grew fastest at +81.1%; 54 grew faster than 10% and 54 shrank, State Exchange Bank the most at -16.7%. The median is +6.0%.

Commercial real estate, share of loansOklahoma banks, 30 June 2026 · construction, multifamily and non-owner-occupied nonresidential; listed largest first · the 25 highest of 170 · amber, in the catalogue
state median 26.3% KB Kirkpatrick Bank 68.2% IN Idabel National Bank 64.2% FS Frontier State Bank 59.8% OC Oklahoma Capital Bank 56.0% CN City National Bank & Trust Co. of… 55.5% I Interbank 54.9% BB Bankers Bank 53.6% IB International Bank of Com 51.8% FN First National Bank & Trust Co. o… 48.6% FO First Oklahoma Bank 48.5% FC FNB Community Bank 48.1% Bo Bank of West 47.9% FB First Bank & Trust Co. 47.8% SS Sooner State Bank 45.8% QC Quail Creek Bank 45.8% SB Sovereign Bank 45.7% LB Legacy Bank 45.3% FE First Enterprise Bank 44.1% FF First Fidelity Bank 44.1% FB First Bethany Bank & Trust 44.0% S Spiritbank 44.0% B Bank 7 43.6% CC Chickasaw Community Bank 43.4% FL First Liberty Bank 43.2% FN FSNB National Association 41.7%

Kirkpatrick Bank is the most CRE-weighted at 68.2% of loans; 32 of the 170 are above 40%, against a median of 26.3%.

Commercial real estate against capital, the 300% screenOklahoma banks, 30 June 2026 · the 2006 interagency guidance's screen; total risk-based capital where filed, Tier 1 for a CBLR filer; listed largest first · the 25 highest of 170 · amber, in the catalogue
state median 139% 300% screen OC Oklahoma Capital Bank 486% FO First Oklahoma Bank 476% I Interbank 451% FS Frontier State Bank 415% SB Sovereign Bank 389% KB Kirkpatrick Bank 384% QC Quail Creek Bank 380% VB Valliance Bank 380% BS Blue Sky Bank 349% FE First Enterprise Bank 339% CB Cattlemens Bank 310% FF First Fidelity Bank 308% BB Bankers Bank 305% LB Legacy Bank 300% RB Regent Bank 300% PB Prism Bank 299% VB Valor Bank 298% Bo Bank of West 297% FB First Bethany Bank & Trust 294% CB Citizens Bank of Edmond 291% GB Grand Bank 289% FL First Liberty Bank 288% S Spiritbank 288% FU First United Bank & Trust Co. 280% SB Security Bank & Trust Co. 277%

15 of the 170 banks sit above the 300% screen, Oklahoma Capital Bank the highest at 486% of capital; the median is 139%. Crossing the screen is not a violation; it is the level at which examiners expect the risk-management practices the guidance describes.

Construction and land development against capital, the 100% screenOklahoma banks, 30 June 2026 · the guidance's first prong; listed largest first · the 25 highest of 170 · amber, in the catalogue
state median 40% 100% screen OC Oklahoma Capital Bank 314% Bo Bank of West 218% CB Community Bank 169% MB Mcclain Bank 166% I Interbank 152% FE First Enterprise Bank 149% Y Ynb 148% GS Grand Savings Bank 144% SS Sooner State Bank 128% SB Sovereign Bank 127% FP First Pryority Bank 127% RB Regent Bank 123% VB Valor Bank 122% AB Avb Bank 120% VB Valliance Bank 119% LB Legacy Bank 115% FS First Security Bank & Trust Co. 115% SF Security First National Bank of H… 111% FB Firstar Bank 109% GP Great Plains National Bank 102% FO First Oklahoma Bank 101% GN Great Nations Bank 101% AB Ameristate Bank 97% AA All America Bank 95% FM F & M Bank 91%

22 of the 170 banks sit above the 100% construction screen, Oklahoma Capital Bank the highest at 314%; the median is 40%.

Loans to depositsOklahoma banks, 30 June 2026 · listed highest first · the 25 highest of 170 · amber, in the catalogue
state median 79% MB MidFirst Bank 132% GF Gateway First Bank 124% CB Cattlemens Bank 112% FS First Security Bank & Trust Co. 110% VB Valliance Bank 107% FS Frontier State Bank 105% FS First Security Bank 105% I Interbank 104% FN First National Bank & Trust Co. B… 104% Bo Bank of Hydro 103% OC Oklahoma Capital Bank 102% SB Sovereign Bank 101% SB Stride Bank National Association 101% BS Blue Sky Bank 101% BB Bankers Bank 101% FB Farmers Bank 101% VB Valor Bank 101% B Bank360 100% WB Watermark Bank 98% FS First State Bank of Pond Creek Ok… 98% B Bank 7 98% MB Method Bank 98% FO First Oklahoma Bank 98% CB Citizens Bank of Edmond 97% GP Great Plains National Bank 97%

17 of the 170 lend more than they hold in deposits, MidFirst Bank the furthest at 132%; the median is 79%.

Nonperforming loans, share of loansOklahoma banks, 30 June 2026 · listed highest first · the 25 highest of 170 · amber, in the catalogue
state median 0.69% MB MidFirst Bank 18.31% FS First Security Bank & Trust Co. 13.20% Bo Bank of Vici 12.31% PB Peoples Bank & Trust Co. 10.85% FS First State Bank in Temple 8.60% IN Idabel National Bank 8.39% WV Washita Valley Bank 8.23% AB Allnations Bank 7.87% FS First Summit Bank 7.11% SE State Exchange Bank 6.88% OG Old Glory Bank 6.58% FE First Enterprise Bank 6.33% AB American Bank & Trust Co. 6.26% SB SNB Bank National Association 6.18% TB Triad Bank National Association 5.96% PV Pauls Valley National Bank 5.72% AA All America Bank 5.50% FB First Bank & Trust Co. 5.22% FS Frontier State Bank 4.81% GF Gateway First Bank 4.36% SF Security First National Bank of H… 4.15% B Bank360 3.97% FT First Texoma National Bank 3.38% WS Washita State Bank 3.34% LB Lakeside Bank of Salina 3.32%

MidFirst Bank carries the most nonperforming loans at 18.31% of the book; 71 of the 170 are above 1%, and the median is 0.69%.

The allowance against nonperforming loansthe twenty widest gaps between the reserve and the trouble it covers, both as shares of loans · bold, in the catalogue
0.00%1.00%2.00%3.00%4.00%5.00%6.00%NPA / loansAllowance / loansAEAmerican Exc Bank Lindsay Oklahoma+6.33%FFFirst Farmers National Bank of Wa…+5.83%FNFirst National Bank of Fletcher+4.93%GCGrant County Bank+3.22%FNFirst National Bank in Marlow+2.37%KBKirkpatrick Bank+2.32%PNPeoples National Bank of Checotah+2.16%FSFirst State Bank+2.16%FBFirst Bank+2.01%OBOklahoma Bank & Trust Co.+1.98%FMFarmers & Merchants Bank+1.96%SBSecurity Bank+1.82%FCFNB Coweta+1.75%BoBank of Eufaula+1.73%EBExchange Bank+1.70%GBGrand Bank+1.59%SSSeiling State Bank+1.58%WBWalters Bank & Trust Co.+1.53%FBFrazer Bank+1.52%VBVast Bank National Association+1.51%

The distance between the two dots is the reserve's headroom over the loans already in trouble. 61 of the 170 hold an allowance smaller than their nonperforming loans.

Return on assetsOklahoma banks, 30 June 2026 · listed highest first · the 25 highest of 170 · amber, in the catalogue
state median 1.40% FN FSNB National Association 3.46% I Interbank 3.28% FB First Bank 2.84% OS Oklahoma State Bank 2.81% FB First Bank of Owasso 2.70% Bo Bank of Hydro 2.66% LS Latimer State Bank 2.54% CB Cowboy Bank 2.54% FN First National Bank & Trust Co. B… 2.51% SS Security State Bank of Oklahoma 2.42% FB First Bank of Okarche 2.34% WB Walters Bank & Trust Co. 2.33% FN First National Bank of Oklahoma 2.30% PC Payne County Bank 2.30% FS First State Bank 2.27% TB Triad Bank National Association 2.25% SB Stride Bank National Association 2.21% FC FNB Coweta 2.20% CS Cleo State Bank 2.20% Bo Bank of Western Oklahoma 2.19% B Bank 7 2.19% FB First Bank & Trust Co. 2.18% GS Grand Savings Bank 2.18% SB Security Bank 2.17% LN Liberty National Bank 2.14%

FSNB National Association earns the most at 3.46% and Old Glory Bank the least at -5.76%; 17 of the 170 earn under 0.50%, and the median is 1.40%.

The efficiency ratio, with the return beside itOklahoma banks, 30 June 2026 · cost as a share of revenue, lowest first; return on assets at the right · the 25 lowest of 170 · amber, in the catalogue
state median 62.1% FB First Bank of Okarche 33.7% ROA 2.34% I Interbank 34.0% ROA 3.28% LS Latimer State Bank 34.4% ROA 2.54% SS Security State Bank of Oklahoma 40.1% ROA 2.42% AC All Capital Bank 42.2% ROA 1.87% SB Security Bank 43.0% ROA 2.17% FS First State Bank 43.2% ROA 2.27% SB Stride Bank National Association 43.7% ROA 2.21% PC Payne County Bank 44.5% ROA 2.30% FN First National Bank & Trust Co. B… 45.0% ROA 2.51% CB Cowboy Bank 45.1% ROA 2.54% GS Grand Savings Bank 45.1% ROA 2.18% B Bank 7 45.3% ROA 2.19% FN First National Bank of Oklahoma 45.4% ROA 2.30% FB First Bank of Owasso 45.8% ROA 2.70% CS Cleo State Bank 46.0% ROA 2.20% AE American Exc Bank Lindsay Oklahoma 46.2% ROA 2.10% FB First Bank 47.0% ROA 2.84% Bo Bank of Hydro 47.9% ROA 2.66% SS Security State Bank 48.0% ROA 2.13% FM Farmers & Merchants Bank 48.7% ROA 1.54% FS Frontier State Bank 48.9% ROA 1.61% IN Idabel National Bank 49.0% ROA 0.93% LN Liberty National Bank 49.5% ROA 2.14% SE Stock Exchange Bank 49.6% ROA 1.50%

First Bank of Okarche runs the leanest at 33.7% of revenue in cost; 25 of the 170 spend more than 80 cents of every revenue dollar, and the median is 62.1%.

The fifteen largest, 30 June 2026navy: the stronger half of each column; amber: the weaker; darker at the ends; bold rows are in the catalogue
InstitutionAssetsLoans YoYCRE / loansLoans / depositsNPA / loansROAEquity / assets
BOKF National Association$53.0B+11.5%27.8%68%0.54%1.19%10.8%
MidFirst Bank$42.8B+1.7%19.6%132%18.31%1.44%9.8%
First United Bank & Trust Co.$16.6B+0.1%38.3%96%1.69%0.91%9.7%
Bancfirst$12.8B+7.1%32.1%65%1.19%1.73%11.2%
Stride Bank National Association$5.4B+46.1%17.6%101%0.48%2.21%7.3%
Interbank$5.3B+7.9%54.9%104%1.56%3.28%12.4%
RCB Bank$4.0B-1.0%17.2%66%0.94%1.47%11.9%
First Fidelity Bank$3.0B+7.9%44.1%86%0.46%1.12%8.4%
Armstrong Bank$2.8B+19.7%31.3%80%0.25%1.31%8.2%
Regent Bank$2.2B+21.9%37.8%96%2.51%0.91%9.4%
Gateway First Bank$2.1B+6.1%38.9%124%4.36%1.37%13.7%
Mabrey Bank$2.0B+12.7%29.2%94%0.41%1.22%7.1%
Great Plains National Bank$1.9B+9.5%29.2%97%1.33%1.80%10.0%
Bank 7$1.9B+6.8%43.6%98%0.39%2.19%13.9%
International Bank of Com$1.6B-3.1%51.8%56%0.66%1.32%15.6%
Five years, 2021 to 2026the 170 institutions filing at both dates; dollars as growth, ratios in points
20212026Change
Loans, in total$103B$143B+39%
Deposits, in total$133B$165B+24%
NPA / loans, median0.62%0.69%+0.06 pts
Efficiency, median62.7%62.1%-0.7 pts
ROA, median1.35%1.40%+0.05 pts

Small-business lending

SBA 7(a) approvals into Oklahoma since FY2008, across every lender type

$4.3B of 7(a) credit has been approved into Oklahoma since FY2008 across 9,238 loans. Accommodation & food services is the largest category at 16.6%, Retail trade at 11.6%, Manufacturing at 11.1%; the three together are 39% of the money. The heaviest losses fall in Transportation & warehousing, at 5.10% of approvals charged off.

7(a) lenders in the state, share of approvalssince FY2008, 358 lenders on record; SBA 7(a) release as of the 2026 file; loans credited to the institution holding them today; amber, in the catalogue
B Bancfirst 18.4% $793M · 2,102 loans FO First Oklahoma Bank 5.8% $251M · 291 loans LO Live Oak Banking Company 5.8% $250M · 177 loans AB Arvest Bank 5.0% $213M · 780 loans SB Security Bank 3.0% $130M · 261 loans FU First United Bank and Trust Compa… 2.6% $114M · 174 loans FP First Pryority Bank 2.0% $84M · 184 loans RB Regent Bank 1.7% $74M · 162 loans PB Peoples Bank and Trust Company 1.7% $73M · 59 loans GP Great Plains National Bank 1.6% $67M · 204 loans FF First Financial Bank 1.3% $58M · 74 loans S Spiritbank 1.3% $56M · 70 loans
What the state's 7(a) money financeseach industry's share of approvals since FY2008, the twelve largest
Accommodation & food services18.3%$716M · 1,229 loansRetail trade12.8%$501M · 1,264 loansManufacturing12.2%$477M · 778 loansHealth care & social assistance11.5%$448M · 923 loansConstruction10.1%$394M · 1,039 loansOther services9.3%$362M · 888 loansProfessional & technical services6.5%$255M · 685 loansAgriculture, forestry & fishing5.4%$209M · 231 loansWholesale trade4.0%$158M · 298 loansReal estate & leasing3.5%$136M · 229 loansAdministrative & waste services3.4%$132M · 449 loansMining & extraction3.1%$120M · 172 loans
The industries, with what defaultsapprovals, loans and charged-off dollars by industry since FY2008; a loss rate is charged-off over approved dollars, on settled and unsettled cohorts alike
IndustryApprovedLoansShareCharged offLoss rate
Accommodation & food services$716M1,22916.6%$25M3.43%
Retail trade$501M1,26411.6%$8M1.67%
Manufacturing$477M77811.1%$21M4.35%
Health care & social assistance$448M92310.4%$4M0.84%
Construction$394M1,0399.2%$15M3.90%
Other services$362M8888.4%$8M2.19%
Professional & technical services$255M6855.9%$3M1.15%
Agriculture, forestry & fishing$209M2314.9%$2M1.05%
Wholesale trade$158M2983.7%$6M3.79%
Real estate & leasing$136M2293.2%$2M1.44%
Administrative & waste services$132M4493.1%$871K0.66%
Mining & extraction$120M1722.8%$5M3.83%
The largest county marketsapprovals since FY2008 and how many lenders have written there
CountyApprovedLoansLenders
Tulsa$1.1B2,377159
Oklahoma$1.0B2,356172
Cleveland$214M61688
Canadian$112M31165
Creek$107M14547
Rogers$96M17647
Delaware$92M10630
Muskogee$79M14136
Carter$73M8836
Payne$69M15547

Each institution in the catalogue has its own read, prepared for its board and management from the public record. The full pack on any Oklahoma institution, twenty sections from its own filing, is prepared on request.

Ask for a pack

Prepared 7 September 2026
Sources FFIEC Call Report and NCUA 5300 via the FDIC and NCUA; SBA 7(a) release
Cohort every institution filing in Oklahoma

Computed from each institution's own filing as published; medians are unweighted; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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