Market Intelligence

Tulsa-Bartlesville-Muskogee, OK

Banking market profile · FDIC Summary of Deposits, June 30, 2025
Market Intelligence › Tulsa-Bartlesville-Muskogee, OK

Tulsa-Bartlesville-Muskogee, OK, a Combined Statistical Area, holds $40.4 billion in deposits across 61 insured institutions and 307 branches, ranking #62 of 293 U.S. markets by economic output. BOKF is the largest deposit holder at 31.6% share. The top three institutions hold 45.0% of deposits, which places the market in the moderate band. Deposits have grown 8.5% since 2020 while the branch count fell by 4.1%.

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
Total Deposits
$40.4B
#52 of 293
Deposits per Capita
$33,949
#76 of 293
Deposits per Branch
$132M
#81 of 293
Competitive structure
Insured Institutions
61
#23 of 293
Branches per 100k Pop.
25.8
#127 of 293
Median Deposits per Institution
$209M
The median deposits booked by a single institution in the market. #151 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
60.4%
of market deposits held by banks with $100M to $50B in assets. #138 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 Deposit Share: moderate
45%
The combined deposit share of the three largest institutions 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

Total market deposits (nominal), 2020 to 2025 +8.5% over 5 years
$37.2B
2020
$39.9B
2021
$37.8B
2022
$36.0B
2023
$38.1B
2024
$40.4B
2025

Branches: 320 in 2020 to 307 in 2025. Institutions: 60 to 61. Top-three share: 49.2% to 45.0%. Deposits per branch: $132M.

Institutions by deposits

InstitutionDepositsShare Branches5‑yr
BOKF$12.8B31.6%24-6%
Arvest Bank$3.5B8.6%33+16%
BancFirst$1.9B4.8%20+30%
Bank of America$1.7B4.2%9-3%
Mabrey Bank$1.5B3.6%13+19%
RCB Bank$1.4B3.5%17+12%
JPMorgan Chase Bank$1.3B3.2%9+17%
American Heritage Bank$1.1B2.8%23+17%
Regent Bank$1.1B2.8%1+159%
MidFirst Bank$1.1B2.7%10-10%
First Oklahoma Bank$1.0B2.5%2+47%
Prosperity Bank$895M2.2%9-17%
Gateway First Bank$827M2.0%5+124%
SpiritBank$800M2.0%6+39%
Security Bank$799M2.0%1+26%
Armstrong Bank$761M1.9%12+67%
Busey Bank$568M1.4%1no 2020 presence
Blue Sky Bank$548M1.4%6+151%
Firstar Bank$539M1.3%5+16%
Grand Bank$514M1.3%2+31%
First Bank of Owasso$500M1.2%3+3%
Vast Bank$485M1.2%4-18%
AVB Bank$463M1.1%4+20%
International Bank of Commerce$337M0.8%13+9%
First Pryority Bank$327M0.8%1+192%
The Central Trust Bank$308M0.8%6no 2020 presence
American Bank of Oklahoma$295M0.7%5+2%
American Bank and Trust Company$277M0.7%2+7%
Patrons Bank$217M0.5%4+10%
The First National Bank and Trust Company of Broken Arrow$216M0.5%2+8%
Commerce Bank$209M0.5%2-26%
Triad Bank$196M0.5%2+4%
Bank 7$182M0.5%1+260%
Legacy Bank & Trust Company$150M0.4%1no 2020 presence
The Exchange Bank$140M0.3%3+27%
Simmons Bank$132M0.3%1-48%
Oklahoma Capital Bank$131M0.3%3-6%
First United Bank and Trust Company$129M0.3%2+34%
FNB Coweta$108M0.3%1+42%
Equity Bank$103M0.3%1+1%
Community Bank$97M0.2%2+13%
MapleMark Bank$93M0.2%1-44%
Stride Bank$90M0.2%2+77%
American Exchange Bank$75M0.2%2+17%
Bank of Commerce$73M0.2%4-42%
UMB Bank$70M0.2%1+8%
First Bank & Trust Company$56M0.1%1+9%
Fidelity Bank$54M0.1%1no 2020 presence
The City National Bank and Trust Company of Lawton, Oklahoma$41M0.1%11+67%
1st Bank in Hominy$39M0.1%1+2%
First Fidelity Bank$35M0.1%1-27%
BMO Bank$33M0.1%2-24%
Union State Bank$26M0.1%1+207%
Spiro State Bank$24M0.1%1no 2020 presence
All Capital Bank$19M0.0%1no 2020 presence
First Bank$17M0.0%1+51%
Elevate Bank$12M0.0%1-25%
The Bank$4M0.0%1no 2020 presence
Chickasaw Community Bank$3M0.0%1no 2020 presence
TIB$0M0.0%1no 2020 presence
Great Southern Bank$0M0.0%1no 2020 presence

The 61 insured institutions with a branch presence, as of June 30, 2025. Five-year change compares the same institution’s 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. “No 2020 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%82.9%
Washington CountyOklahoma$3.7B54,0376.0%2.4%
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

Deposits are moderately concentrated here, held by a mix of institutions rather than dominated by one. 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.