Market Intelligence

McClain County, OK

Banking market profile · FDIC Summary of Deposits, June 30, 2025

McClain County, Oklahoma, a county in the Oklahoma City-Shawnee, OK market, holds $851M in deposits across 8 insured institutions and 13 branches. The First National Bank and Trust Co., Chickasha, Oklahoma is the largest deposit holder at 25.2% share. The top three institutions hold 67.4% of deposits, which places the county in the concentrated band. Deposits have grown 23.2% since 2020. It produces $2.0B of output, ranking #938 of the 1,523 counties within a CSA or MSA by economic output.

Economic scale
2024 Real GDP
$2.0B
#938 of 1,523
Population
49,647
#931 of 1,523
GDP per Capita
$39,626
#913 of 1,523
Deposit market
Total Deposits
$851M
#1,013 of 1,523
Deposits per Capita
$17,144
#1,060 of 1,523
Deposits per Branch
$65M
#1,156 of 1,523
Competitive structure
Insured Institutions
8
#886 of 1,523
Branches per 100k Pop.
26.2
#654 of 1,523
Median Deposits per Institution
$99M
The median deposits booked by a single institution in the county. #902 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
97.6%
of county deposits held by banks with $100M to $50B in assets. #220 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 Deposit Share: concentrated
67.4%
The combined deposit share of the three largest institutions 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

Total county deposits (nominal), 2020 to 2025+23.2% over 5 years
$691M
2020
$735M
2021
$812M
2022
$811M
2023
$826M
2024
$851M
2025

Branches: 13 in 2020 to 13 in 2025. Institutions: 8 to 8. Top-three share: 67.2% to 67.4%.

Leading institutions by deposits

InstitutionDepositsShareBranches5‑yr
The First National Bank and Trust Co., Chickasha, Oklahoma$214M25.2%3+60%
First United Bank and Trust Company$183M21.5%1+17%
McClain Bank$176M20.7%2+1%
Legacy Bank$131M15.4%2+47%
Sooner State Bank$67M7.9%2+6%
Liberty National Bank$42M4.9%1-9%
COMMUNITY BANK OF OKLAHOMA$20M2.4%1+106%
International Bank of Commerce$17M2.0%1-6%

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. Deposit figures are nominal and are not adjusted for inflation.

Part of the Oklahoma City-Shawnee market

McClain County is one of 8 counties that make up the Oklahoma City-Shawnee, OK market, a Combined Statistical Area (ranked #45 of 293 U.S. markets by economic output). It produces 2.3% of the market’s output and holds 1.5% of its deposits.

MeasureMcClain CountyShare of parent market
2024 GDP$2.0B2.3%
Deposits$851M1.5%
Population49,6473.1%

View the full Oklahoma City-Shawnee market profile →

Recruiting in McClain 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 McClain County, on a retained basis.

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