Creek County, Oklahoma, a core county of the Tulsa-Bartlesville-Muskogee, OK market, holds $1.2B in deposits across 8 insured institutions and 20 branches. American Heritage Bank is the largest deposit holder at 45.2% share. The top three institutions hold 78.3% of deposits, which places the county in the concentrated band. Deposits have grown 23.5% since 2020 while the branch count fell by 1. It produces $2.2B of output, ranking #897 of the 1,523 counties within a CSA or MSA by economic output.
Deposit trend
Branches: 21 in 2020 to 20 in 2025. Institutions: 9 to 8. Top-three share: 76.0% to 78.3%.
Leading institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| American Heritage Bank | $547M | 45.2% | +15% |
| SpiritBank | $271M | 22.4% | +60% |
| First United Bank and Trust Company | $129M | 10.7% | +34% |
| Community Bank | $97M | 8.0% | +13% |
| Arvest Bank | $64M | 5.3% | +71% |
| RCB Bank | $62M | 5.1% | -6% |
| The Central Trust Bank | $29M | 2.4% | no 2020 presence |
| International Bank of Commerce | $11M | 0.9% | -7% |
The 8 insured institutions with a branch presence in this county, as of June 30, 2025. Five-year change compares the same institution’s county deposits in 2020 and 2025. Institutions are tracked by FDIC certificate number, and where an institution acquired another bank, the acquired bank’s prior deposits are folded into the baseline so the change reflects the combined, continuing franchise rather than reading as new. Even so, a large gain can reflect acquisition rather than organic growth; “no 2020 presence” means neither the institution nor a bank it later absorbed reported deposits in this county that year.
Part of the Tulsa-Bartlesville-Muskogee market
Creek County is one of 9 counties that make up the Tulsa-Bartlesville-Muskogee, OK market, a Combined Statistical Area (ranked #62 of 293 U.S. markets by economic output). It produces 3.5% of the market’s output and holds 3.0% of its deposits.
| Measure | Creek County | Share of Tulsa-Bartlesville-Muskogee market |
|---|---|---|
| 2024 GDP | $2.2B | 3.5% |
| Deposits | $1.2B | 3.0% |
| Population | 74,967 | 6.3% |
View the full Tulsa-Bartlesville-Muskogee market profile →
Recruiting in Creek County
Deposits are held closely by the largest banks, which often means the bankers worth recruiting are inside a small number of institutions. Who holds the deposits, and how contested the market is, shapes both the runway for growth and the competition you would be recruiting against. We recruit commercial relationship managers, banking teams, and market leaders for banks building in markets like Creek County, on a retained basis.
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