Market Intelligence

Tulsa-Bartlesville-Muskogee, OK

Banking market profile · FDIC Summary of Deposits (SOD), June 30, 2026
Market Intelligence › Tulsa-Bartlesville-Muskogee, OK

Tulsa-Bartlesville-Muskogee, OK, a Combined Statistical Area, holds $41.9 billion in deposits across 61 insured institutions and 309 branches, and ranks #62 of 293 U.S. markets by economic output. BOKF is the largest deposit holder at 30.0% share. The top three banks hold 44% of deposits, which places the market in the Fragmented band.

Economic scale
2024 Real GDP
$62.9B
#62 of 293
Population
1.19M
#56 of 293
GDP per Capita
$52,815
#153 of 293
Deposit market
Deposits (SOD, 6/30/26)
$41.9B
#50 of 293
Deposits per Capita
$35,168
#73 of 293
Deposits per Branch
$135M
#79 of 293
Competitive structure
Insured Institutions
61
#24 of 293
Branches per 100k Pop.
26.0
#122 of 293
Median Deposits per Institution
$214M
The median deposits booked by a single institution in the market. #148 of 293. 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
92.7%
of market deposits held by banks with $100M to $100B in assets. #14 of 293. 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
44%
The combined deposit share of the top three banks by deposits in the market. A lower share means deposits are spread across more institutions.

Ranks show where the market stands among the 293 markets (Combined and Metropolitan Statistical Areas). They describe relative position, not a rating of market quality or suitability.

Deposit trend

Market Deposits (SOD, 2021 to 2026) +4.8% over 5 years
$39.9B
2021
$37.8B
2022
$36.0B
2023
$38.1B
2024
$40.4B
2025
$41.9B
2026

Branches: 307 in 2021 to 309 in 2026. Institutions: 60 to 61. Top-three share: 49% to 44%. Average deposits per branch: $135M.

Institutions by deposits

InstitutionDepositsShare Branches5‑yr
deposits
BOKF$12.6B30.0%24-11%
Arvest Bank$3.6B8.7%33+6%
BancFirst$2.2B5.3%23+17%
Bank of America$1.6B3.9%9-23%
Mabrey Bank$1.5B3.6%13+14%
RCB Bank$1.4B3.3%17-1%
JPMorgan Chase Bank$1.3B3.1%11+12%
Regent Bank$1.3B3.1%2+179%
MidFirst Bank$1.3B3.1%10+13%
First Oklahoma Bank$1.1B2.7%2+45%
American Heritage Bank$1.1B2.7%23-5%
Prosperity Bank$1.1B2.6%9-4%
Gateway First Bank$918M2.2%5+121%
Armstrong Bank$908M2.2%11+41%
Security Bank$828M2.0%1+17%
SpiritBank$819M2.0%6+38%
Firstar Bank$636M1.5%4+35%
Blue Sky Bank$571M1.4%6+93%
AVB Bank$542M1.3%4+35%
First Bank of Owasso$539M1.3%3+4%
Grand Bank$507M1.2%2+25%
Vast Bank$452M1.1%4-30%
Busey Bank$432M1.0%1-23%
International Bank of Commerce$370M0.9%13+3%
First Pryority Bank$364M0.9%2+177%
The Central Trust Bank$298M0.7%6-47%
American Bank and Trust Company$269M0.6%2+4%
Patrons Bank$242M0.6%4+16%
First United Bank and Trust Company$225M0.5%3+134%
The First National Bank and Trust Company of Broken Arrow$224M0.5%2+2%
Bank 7$214M0.5%1+118%
Commerce Bank$198M0.5%2-25%
Triad Bank$198M0.5%2-1%
Oklahoma Capital Bank$160M0.4%3+26%
Legacy Bank & Trust Company$159M0.4%1no 2021 presence
Simmons Bank$144M0.3%1-35%
The Exchange Bank$142M0.3%3+9%
Stride Bank$127M0.3%2+99%
Bank of Commerce$126M0.3%4-2%
FNB Coweta$116M0.3%1+28%
Community Bank$107M0.3%2+9%
Equity Bank$102M0.2%1-38%
MapleMark Bank$87M0.2%1-35%
American Exchange Bank$77M0.2%2+22%
All Capital Bank$72M0.2%1no 2021 presence
UMB Bank$67M0.2%1+20%
First Bank & Trust Company$58M0.1%1+3%
Fidelity Bank$58M0.1%1-34%
SSB Bank$56M0.1%1no 2021 presence
The City National Bank and Trust Company of Lawton, Oklahoma$49M0.1%11+42%
1st Bank in Hominy$42M0.1%1-1%
BMO Bank$37M0.1%2+1%
Union State Bank$24M0.1%1+101%
Elevate Bank$17M<0.1%1+22%
First Bank$17M<0.1%1+22%
First Fidelity Bank$15M<0.1%1-71%
Valliance Bank$10M<0.1%1no 2021 presence
The Bank$5M<0.1%1no 2021 presence
Local Bank$0M0.0%1no 2021 presence
TIB$0M0.0%1no 2021 presence
Great Southern Bank$0M0.0%1no 2021 presence

The 61 insured institutions with a branch presence in this market, per the FDIC Summary of Deposits, June 30, 2026. Five-year change compares the same institution’s 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 market that year. Deposit figures are nominal and are not adjusted for inflation.

Counties in this market

CountyStateGDP PopulationShare of Market GDP Share of Market Deposits
Tulsa CountyOklahoma$46.5B698,78274.0%82.8%
Washington CountyOklahoma$3.7B54,0376.0%2.5%
Rogers CountyOklahoma$3.7B102,1975.8%2.9%
Muskogee CountyOklahoma$2.9B66,7084.5%3.7%
Creek CountyOklahoma$2.2B74,9673.5%3.0%
Wagoner CountyOklahoma$1.5B93,2632.4%1.5%
Osage CountyOklahoma$1.1B46,7941.8%1.5%
Okmulgee CountyOklahoma$903M37,2411.4%1.4%
Pawnee CountyOklahoma$367M16,0290.6%0.6%

Recruiting in the Tulsa-Bartlesville-Muskogee market

No single institution dominates deposits here, which often means more competitors of a size where a well-positioned team has room to compete. 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 this one.

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Other markets in Oklahoma

All 293 markets and the 1,523 counties with a branch within a CSA or MSA are covered in the Market Intelligence resource. See the methodology for how each figure is built and when to expect updates, or the disclaimer for how this data should, and should not, be read.