Stephens County, Oklahoma, a core county of the Lawton-Duncan, OK market, holds $1.3B in deposits across 10 insured institutions and 21 branches. First Bank & Trust Co. is the largest deposit holder at 25.8% share. The top three institutions hold 67.0% of deposits, which places the county in the concentrated band. Deposits have grown 16.0% since 2020. It produces $2.4B of output, ranking #850 of the 1,523 counties within a CSA or MSA by economic output.
Deposit trend
Branches: 21 in 2020 to 21 in 2025. Institutions: 10 to 10. Top-three share: 67.4% to 67.0%.
Leading institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| First Bank & Trust Co. | $345M | 25.8% | +8% |
| BancFirst | $341M | 25.5% | +16% |
| Arvest Bank | $209M | 15.7% | +37% |
| Bank of Commerce | $174M | 13.0% | +8% |
| Legacy Bank | $101M | 7.6% | +22% |
| The First National Bank in Marlow | $61M | 4.6% | +13% |
| First National Bank and Trust Company of Ardmore | $48M | 3.6% | +60% |
| American Nation Bank | $30M | 2.2% | +22% |
| International Bank of Commerce | $21M | 1.6% | -24% |
| The City National Bank and Trust Company of Lawton, Oklahoma | $5M | 0.4% | +73% |
The 10 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 competitive growth; “no 2020 presence” means neither the institution nor a bank it later absorbed reported deposits in this county that year.
Part of the Lawton-Duncan market
Stephens County is one of 3 counties that make up the Lawton-Duncan, OK market, a Combined Statistical Area (ranked #218 of 293 U.S. markets by economic output). It produces 30.6% of the market’s output and holds 37.6% of its deposits.
| Measure | Stephens County | Share of Lawton-Duncan market |
|---|---|---|
| 2024 GDP | $2.4B | 30.6% |
| Deposits | $1.3B | 37.6% |
| Population | 44,310 | 25.8% |
View the full Lawton-Duncan market profile →
Recruiting in Stephens 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 Stephens County, on a retained basis.
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