Tulsa-Bartlesville-Muskogee, OK 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 9% since 2020 while the branch count fell by 13.
Deposit trend
Branches: 320 in 2020 to 307 in 2025. Institutions: 60 to 61. Top-three share: 49.2% to 45.0%. Deposits per branch: $132M.
Leading institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| BOKF | 12.8B | 31.6% | -6% |
| Arvest Bank | 3.5B | 8.6% | +16% |
| BancFirst | 1.9B | 4.8% | +30% |
| Bank of America | 1.7B | 4.2% | -3% |
| Mabrey Bank | 1.5B | 3.6% | +18% |
| RCB Bank | 1.4B | 3.5% | +12% |
| JPMorgan Chase Bank | 1.3B | 3.2% | +17% |
| American Heritage Bank | 1.1B | 2.8% | +17% |
| Regent Bank | 1.1B | 2.8% | +159% |
| MidFirst Bank | 1.1B | 2.7% | -10% |
The 10 largest of 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; an acquirer absorbs the balances of banks it bought.
Counties in this market
| County | State | GDP | Population | Share of GDP |
|---|---|---|---|---|
| Tulsa County | Oklahoma | $46,528M | 698,782 | 74.0% |
| Washington County | Oklahoma | $3,744M | 54,037 | 6.0% |
| Rogers County | Oklahoma | $3,652M | 102,197 | 5.8% |
| Muskogee County | Oklahoma | $2,858M | 66,708 | 4.5% |
| Creek County | Oklahoma | $2,198M | 74,967 | 3.5% |
| Wagoner County | Oklahoma | $1,494M | 93,263 | 2.4% |
| Osage County | Oklahoma | $1,107M | 46,794 | 1.8% |
| Okmulgee County | Oklahoma | $903M | 37,241 | 1.4% |
| Pawnee County | Oklahoma | $367M | 16,029 | 0.6% |
Recruiting in Tulsa
Deposits are neither closely held nor widely dispersed, which usually leaves room for a well-led team to take share without competing head-on with a dominant holder. 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, on a retained basis.
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