FirstBank

What FirstBank does

FirstBank is a privately held, family-owned community bank headquartered in Antlers, Oklahoma, serving southeastern Oklahoma through 9 branch locations across 6 counties spanning Atoka, Coal, Pushmataha, Choctaw, and McCurtain. Founded in 1901 as Antlers National Bank, the institution was renamed First National Bank of Antlers in 1935 and rebranded as FirstBank between 1999 and 2002 following a charter conversion to a state charter. The Burrage family, which acquired controlling ownership in 1982 and consolidated full ownership between 1999 and 2002, controls the bank, with Mark Burrage serving as CEO since 2016. The bank operates a relationship-based community banking model emphasizing local decision-making on loans and personal service for individual consumers, local small and medium-sized businesses, and agricultural operations, and the bank states it extends more loans and operates more locations than any other community bank in the region.

FirstBank offers a full suite of retail and commercial banking products and services delivered through a Fiserv-powered digital platform. Personal banking products include multiple checking account tiers (iStudent, First Class, First Free, First 50, First Interest), savings accounts, money market accounts, certificates of deposit, IRAs, and health savings accounts. Lending products span consumer loans (auto, boat, RV, home, signature), agricultural loans, and commercial and business loans including equipment financing. Digital channels include online banking, mobile banking apps for iOS and Android, peer-to-peer payments via Zelle integration, cross-institutional transfers via TransferNow, card management via CardHub, two-factor authentication via SecureNow, bill pay, eStatements, and an Early Pay feature for accelerated payroll access. Business banking includes cash management services with remote deposit capture, ACH payroll processing, online wire transfers, and multi-user security controls.

The bank's revenue model is anchored in net interest income from loans and deposits, supplemented by deposit account fees (such as a $6.95 monthly service charge on First Class Checking and a $3.00 paper statement fee), cash management service fees, and loan origination income. Pricing is relationship-based and varies by product, with rates disclosed at branch level. Distribution is heavily concentrated in physical branches, with the bank noting it has more loans and locations than any other community bank in its region. The institution is FDIC-insured. Note that this Oklahoma-based FirstBank is a separate entity from FirstBank Nigeria and FirstBank Holding Company (Colorado), the latter of which was acquired by PNC Financial Services Group in January 2026 for $4.1 billion.

Name

FirstBank

Legal name

FirstBank

Website

https://firstbank-ok.com

Company type

Private

Founded year

1901

Operating status

Operating

Headcount range

51–100 employees

Short description

FirstBank is a privately held community bank headquartered in Antlers, Oklahoma, operating 9 branches across 6 southeastern Oklahoma counties. It provides retail and commercial banking products including deposits, loans, and digital banking to consumers, local businesses, and agricultural operations.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (52211), Commercial Banking (522110)

SIC

State Commercial Banks (6022)

akta.pro primary industry

Branch & In-Person Banking (Teller/ATM Networks) (FSABAAAE)

akta.pro secondary industries

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA), Small Business Banking (Microbusiness/Sole Proprietor) (FSABAAAI)

Keywords

• Community banking
• Retail banking
• Commercial lending
• Deposit products
• Agricultural loans

Headquarters

HQ city

Antlers

HQ country

United States

HQ region

North America

Offices9 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales

Revenue model

1. Net Interest Income: Primary revenue source from interest earned on loans (consumer, agricultural, commercial) minus interest paid on deposits. Interest income from mortgage lending, auto loans, and business financing.
2. Deposit Account Fees: Monthly service charges on certain account types, paper statement fees ($3.00), excessive withdrawal fees, and early account closure fees.
3. Cash Management & Business Services: Fees for commercial cash management services, remote deposit capture, wire transfers, ACH payroll processing, and merchant services.
4. Loan Origination Income: Interest and fees earned on loan products including signature loans, auto/boat/RV loans, home loans, home equity loans, agricultural loans, and commercial/business loans.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels4 records

Core offering

FirstBank is a community bank offering personal and business deposit products (checking, savings, CDs, IRAs, HSAs), consumer and commercial loans (auto, home, agricultural, business), and digital banking services (online/mobile banking, Zelle, cash management). It operates 9 branch locations across 6 counties in southeastern Oklahoma and serves local individuals, families, and small businesses through relationship-based banking.

Product overview

FirstBank (Antlers, OK) operates as a community bank offering a unified suite of retail and commercial banking products and services. The core digital banking platform consists of Online Banking, Mobile Banking, and associated sub-services including Zelle® (peer-to-peer payments), TransferNow® (cross-institutional transfers), CardHub® (card management), SecureNow (two-factor authentication), Bill Pay, eStatements, and Financial Calculators. Deposit products span multiple checking variants (iStudent Checking, First Class Checking, First Free Checking, First 50 Checking, First Interest Checking), savings accounts (First Savings, First Possibilities Savings, First Money Market), Health Savings Accounts, and Certificates of Deposit/IRAs. Lending products include personal loans (auto, home, agriculture), business loans (commercial, equipment), and home equity. Cash Management and Remote Deposit serve business clients. The bank operates 9 branch locations across 6 southeastern Oklahoma counties.

Differentiator

Problem solved

Functional benefit

Products and services

• Online Banking Consumer-facing digital banking platform providing 24-hour real-time account access, balance monitoring, bill payment, fund transfers, e-statements, and check imaging through a web interface for FirstBank customers.
• Mobile Banking Mobile banking service accessible via smartphone app and SMS text messaging, enabling account monitoring, alerts, transfers, and bill payment without requiring internet connectivity.
• Zelle® Peer-to-peer payment service integrated into FirstBank's online and mobile banking, enabling real-time money transfers between bank accounts using email addresses or U.S. mobile numbers.
• TransferNow® External account transfer service enabling cross-institutional fund movements between FirstBank and accounts at other financial institutions without wire transfers or cashier's checks.
• CardHub® Integrated card management platform offering card on/off controls, spending limits by merchant type/location/amount, travel plan notifications, and lost/stolen card self-service within the bank's digital channels.
• SecureNow Two-factor authentication security feature for account access, replacing traditional security questions with device-delivered one-time passcodes for enhanced login protection.
• iStudent Checking Interest-free checking account for ages 13–24 with no minimum balance, offering free e-Statements, instant-issue debit card, online bill pay, and academic performance reward incentives.
• First Class Checking Full-service checking account with accidental death insurance, online savings, cash back rewards, travel/hotel discounts, fraud and identity protection tools, subject to a $6.95 monthly service charge.
• First 50 Checking Checking account tailored for clients aged 50 and older, featuring complimentary safe deposit box rental and discounted check printing as primary benefits.
• First Money Market Account Tiered interest-earning savings product requiring $1,000 minimum balance to open, with limited monthly withdrawals and a $5 monthly fee waived on balances exceeding $1,000.
• Health Savings Account Tax-advantaged medical expense savings account allowing pre-tax contributions for qualified healthcare costs including deductibles, copayments, and coinsurance.
• Certificates of Deposit (CDs) Fixed-rate term deposit products with maturities ranging from 3 to 36 months, automatic renewal options, and flexible interest payment methods.
• Individual Retirement Accounts (IRAs) Retirement savings accounts available in Roth and Traditional variants, offering tax-deferred or tax-free growth respectively based on contribution deductibility and withdrawal eligibility rules.
• Cash Management Commercial banking solution providing 24/7 real-time account information, ACH payroll processing, online wire transfers, stop payments, and multi-user employee security management for business clients.
• Remote Deposit Electronic check deposit service enabling business clients to deposit checks remotely via scanning, providing 24/7 access without visiting a branch location.
• Personal Loans Consumer lending portfolio including signature loans, auto/boat/RV loans, home loans, home equity loans, and agriculture loans, tailored to individual customer needs and budgets.
• Business Loans Commercial lending products encompassing commercial and business loans, equipment financing, and other business-purpose credit facilities.

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature6 records

Partnerships

One partnership is on record.

• Zelle (Early Warning Services, LLC)coreTechnology or IntegrationPartnership with Zelle network to provide fast peer-to-peer money transfer services. Enables customers to send money directly from their FirstBank account to enrolled recipients within minutes using email or mobile number.

Scale indicators3 records

Recent moves9 records

Expansion highlights5 records

Direct peers

• BancFirst Corporation: Oklahoma's largest state-chartered community bank holding company, headquartered in Oklahoma City with branches across the state. Directly comparable as a state-chartered Oklahoma community bank competing for the same SMB and consumer deposit base in overlapping markets.
• SpiritBank: Oklahoma-based community bank with multiple branches offering consumer, business, and mortgage lending. Closely mirrors FirstBank's branch-based community banking model and loan product mix within the same state.
• First United Bank & Trust (Durant, OK): Oklahoma-headquartered community bank with a southeastern Oklahoma presence and similar mix of consumer, agricultural, and small business banking. Comparable in size, geographic focus, and relationship-banking approach.
• Prosperity Bancshares: Texas-headquartered community bank holding company with a strong rural and small-city branch footprint in Texas and Oklahoma. Comparable as a multi-branch community bank pursuing similar deposit-funded lending strategies in smaller markets.
• First Financial Bank (Texas/Oklahoma): Community bank operating across Texas and Oklahoma with consumer, business, and agricultural lending. Similar branch-based distribution model and small-market focus makes it a relevant size and strategy comparable.
• Stock Yards Bancorp: Kentucky-headquartered community bank holding company with a focus on relationship banking, commercial lending, and wealth services. Comparable as a conservatively run, multi-branch community bank at a similar asset tier.
• Tompkins Financial: Northeast US community bank holding company (TMP) with consumer and business banking plus wealth management. Comparable as a smaller-scale community bank holding company emphasizing relationship-driven local lending.

Broad incumbents

• Arvest Bank: Large community-focused regional bank operating across Oklahoma, Arkansas, and Missouri with full-service consumer, mortgage, and commercial offerings. Overlaps FirstBank's footprint and competes for the same rural SMB and consumer customers but at significantly greater scale.
• BOK Financial: Major Oklahoma-headquartered financial services holding company (BOKF) with commercial banking, wealth, and treasury management across multiple states. Sets the competitive ceiling in the Oklahoma banking market and serves larger commercial clients FirstBank refers out.
• International Bancshares Corporation: Texas-based bank holding company (IBOC) operating IBC Bank with a footprint that includes parts of Oklahoma. Comparable as a community-banking holding company with multi-state branch distribution and small-business focus.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xtwitter.com/firstbankok
• Facebookfacebook.com/firstbankok
• Instagraminstagram.com/firstbank_ok
• LinkedInlinkedin.com/company/firstbank-ok

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

Funding overview

Funding rounds2 records

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about FirstBank