Market Intelligence

Custer County, OK

Banking market profile · FDIC Summary of Deposits (SOD), June 30, 2026

Custer County, Oklahoma, a core county of the Weatherford-Elk City, OK market, holds $1.2B in deposits across 15 insured institutions and 20 branches. Oklahoma Bank and Trust Company is the largest deposit holder at 15.0% share. The top three banks hold 36% of deposits, which places the county in the Fragmented band. Deposits have grown 17.9% since 2021. It produced $1.5B of real gross domestic product in 2024, ranking #1,046 of the 1,523 ranked counties by economic output.

Economic scale
2024 Real GDP
$1.5B
#1,046 of 1,523
Population
28,175
#1,181 of 1,523
GDP per Capita
$53,172
#497 of 1,523
Deposit market
Deposits (SOD, 6/30/26)
$1.2B
#882 of 1,523
Deposits per Capita
$41,189
#177 of 1,523
Deposits per Branch
$58M
#1,306 of 1,523
Competitive structure
Insured Institutions
15
#370 of 1,523
Branches per 100k Pop.
71.0
#25 of 1,523
Median Deposits per Institution
$66M
The median deposits booked by a single institution in the county. #1,278 of 1,523. A lower figure means institutions typically hold smaller deposit positions here; it reflects local deposit presence, not an institution’s overall size. See Community & Regional Bank Share for institution scale.
Community & Regional Bank Share
81.8%
of county deposits held by banks with $100M to $100B in assets. #543 of 1,523. A higher share points to a market where small to mid-size institutions, the kind that compete on relationships and local decision-making, hold more ground.
Top-3 Banks’ Deposit Share: Fragmented
36%
The combined deposit share of the top three banks by deposits in the county. A lower share means deposits are spread across more institutions.

Ranks show where the county stands among the 1,523 ranked counties (those within a Combined or Metropolitan Statistical Area that have a branch). They describe relative position, not a rating of market quality or suitability.

Deposit trend

County Deposits (SOD, 2021 to 2026)+17.9% over 5 years
$984M
2021
$988M
2022
$1.0B
2023
$1.0B
2024
$1.1B
2025
$1.2B
2026

Branches: 20 in 2021 to 20 in 2026. Institutions: 14 to 15. Top-three share: 41% to 36%.

Institutions by deposits

InstitutionDepositsShareBranches5‑yr
deposits
Oklahoma Bank and Trust Company$174M15.0%4+15%
The Bank of the West$126M10.9%2+22%
MidFirst Bank$122M10.5%1+15%
BancFirst$114M9.9%1+45%
Blue Sky Bank$105M9.1%1-26%
InterBank$78M6.7%1+12%
Southwest Bank of Weatherford$75M6.5%1+5%
Bank of Western Oklahoma$66M5.7%1+32%
Bank of Hydro$60M5.1%2+38%
First Bank of Thomas$56M4.8%1+30%
Legacy Bank$55M4.7%1+9%
Great Plains National Bank$49M4.2%1no 2021 presence
First Bank and Trust Company$47M4.1%1-11%
Bank360$27M2.3%1no 2021 presence
First Summit Bank$7M0.6%1+111%

The 15 insured institutions with a branch presence in this county, per the FDIC Summary of Deposits, June 30, 2026. Five-year change compares the same institution’s county deposits in 2021 and 2026. 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. “No 2021 presence” means neither the institution nor a bank it later absorbed reported deposits in this county that year. Deposit figures are nominal and are not adjusted for inflation.

Part of the Weatherford-Elk City market

Custer County is one of 3 counties that make up the Weatherford-Elk City, OK market, a Combined Statistical Area (ranked #289 of 293 U.S. markets by economic output). It produces 51.0% of the market’s output and holds 47.1% of its deposits.

MeasureCuster CountyShare of parent market
2024 GDP$1.5B51.0%
Deposits$1.2B47.1%
Population28,17546.0%

View the full Weatherford-Elk City market profile →

Recruiting in Custer County

Deposits are spread across a competitive field of institutions, so the bankers worth recruiting are dispersed across more of them. 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 Custer County.

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