Fidelity Bank / Oklahoma Fidelity Bank

What Fidelity Bank / Oklahoma Fidelity Bank does

Fidelity Bank is a fourth-generation, family-owned community bank headquartered in Wichita, Kansas, operating under the Fidelity Bank, N.A. charter in Kansas and Missouri and as Oklahoma Fidelity Bank in Oklahoma following the 2021 acquisition of Yorktown Bank. It serves retail consumers, small businesses, middle-market commercial clients, homebuilders, and licensed professionals across the Wichita, Kansas City, Oklahoma City, and Tulsa metros through a physical branch network supplemented by online and mobile banking (including Zelle, mobile check deposit, and mobile wallet), interactive banking machines, and a direct commercial banking sales force.

The product set spans personal and business checking and savings (Relationship Rewards Checking with up to 3.5% debit cash back, Step-Up Savings with tiered rates, Student Banking Bundle), residential mortgages (conventional, FHA, VA, jumbo, USDA, HELOC, construction), commercial and industrial lending, commercial real estate lending operated nationwide, treasury services (ACH, Positive Pay, Remote Deposit Capture via DirectLink, merchant services), and private banking. Notable platform features include ClickSWITCH for account switching, Falcon Fraud for real-time debit card anomaly detection, Paychex-embedded payroll, and a Knowledge Center for financial education. The bank is FDIC-insured, an Equal Housing Lender, and holds NMLS #419266.

Revenue is generated primarily through net interest income on loans funded by a $2.6B deposit base, with FY2025 Interest and Dividend Income of $177.9M and Net Income of $23.8M against $3.2B in total assets. Noninterest income streams include deposit service charges, treasury and merchant services fees, mortgage origination and servicing revenue, and credit card interchange. Capital position is strong, with CET1 at 10.87% and Total Capital at 12.02%, both well above well-capitalized regulatory thresholds. Distribution is relationship-driven: branch-based for retail, field sales for commercial, and digital self-serve for routine transactions.

Name

Fidelity Bank / Oklahoma Fidelity Bank

Legal name

Fidelity Bank, N.A.

Website

https://fidelitybank.com

Company type

Private

Founded year

1976

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Fidelity Bank is a fourth-generation family-owned community bank headquartered in Wichita, Kansas, operating as Oklahoma Fidelity Bank in Oklahoma. It provides consumer, commercial, mortgage, treasury, and private banking across Kansas, Oklahoma, and Missouri with $3.2 billion in total assets.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Depository Credit Intermediation (5221)

SIC

National Commercial Banks (6021)

akta.pro primary industry

SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC)

akta.pro secondary industries

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA), Credit Cards & Revolving Credit (FSABAAAC)

Keywords

• Community banking services
• Residential mortgage lending
• Commercial lending solutions
• Business treasury management
• Private banking services

Headquarters

HQ city

Wichita

HQ country

United States

HQ region

North America

Offices7 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Net Interest Income: Interest income from loans receivable less interest expense on deposits and borrowed funds. Primary revenue driver for the bank.
2. Noninterest Income: Fee income from deposit service charges, loan fees, credit card interchange, treasury services fees, merchant services, and other banking service charges.
3. Mortgage Banking: Residential mortgage originations including conventional, FHA, VA, jumbo, USDA loans with cash-out refinancing options. Revenue from loan origination fees and servicing.
4. Credit Card Interchange: Relationship Rewards Checking and Student Checking accounts earn cash back on VISA debit card purchases. Revenue generated from merchant interchange fees.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels6 records

Core offering

Fidelity Bank is a fourth-generation family-owned community bank that operates as a full-service regional financial institution under the Fidelity Bank and Oklahoma Fidelity Bank brands. Its core offerings span personal and business deposit accounts (checking, savings, student banking), residential mortgage and home equity lending, commercial and industrial lending, construction lending, treasury and cash management, private banking, merchant services, and digital banking channels (online, mobile, Zelle, ITMs). The bank serves consumers and businesses across Kansas, Oklahoma, and Missouri.

Product overview

Fidelity Bank / Oklahoma Fidelity Bank is a fourth-generation family-owned regional bank with over $3 billion in assets, operating as a single-unified banking platform providing personal, business, commercial, and private banking services. The core product portfolio spans personal and business checking and savings accounts, residential mortgage and home equity lending, commercial and industrial lending, treasury management services, private banking, and digital banking channels. Key product lines include Relationship Rewards Checking (earning 3.5% cash back), Step-Up Savings (three-tier rate structure), Student Banking Bundle (ages 10–21), Home Loans for Professionals (specialist mortgage program), Merchant Services, Positive Pay fraud protection, Remote Deposit Capture via DirectLink, Small Business Payroll powered by Paychex, and a full digital banking suite with Zelle, mobile check deposit, and SmartVoice telephone banking. Treasury services include merchant processing, fraud prevention tools, and ACH education. The bank operates across Kansas (Wichita, Kansas City metro), Oklahoma (Tulsa, Oklahoma City), and Missouri markets.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Checking Accounts Personal checking accounts for individual consumers, including Relationship Rewards Checking (earning up to 3.5% cash back on VISA debit card purchases when enrolled in e-statements, with a direct deposit, and 10+ debit transactions per cycle) and Student Checking for ages 10-21. Includes VISA debit card, personal overdraft privilege up to $800, and account access options such as ClickSWITCH.
• Personal Savings Accounts Personal savings accounts for individual consumers, including Step-Up Savings with three increasing rate tiers as balance grows and no minimum balance requirement, and Student Savings for account holders until age 21. Step-Up Savings receives an additional 0.10% APY boost when paired with Relationship Rewards Checking.
• Business Checking Accounts Business checking accounts for commercial customers with corporate debit card access, check reorder, online banking, and treasury services support. Targeted at small and mid-sized business owners across the Wichita, Kansas City, Tulsa, and Oklahoma City metros.
• Business Savings Accounts Business savings accounts for commercial customers depositing business funds, with rate information listed alongside other business treasury and deposit products.
• Home Loans / Mortgage Lending Residential mortgage programs including conventional, FHA, VA, jumbo, and USDA loans, plus refinancing, home equity lines of credit (HELOC), and construction loans. Operated through an in-house loan processing team with dedicated mortgage and construction loan officers, a first-time homebuyer help center, and financial calculators.
• Commercial Lending Commercial banking, lending, and cash management services spanning commercial and industrial lending, construction lending, business credit programs, and commercial real estate lending across the Wichita, Kansas City, Tulsa, and Oklahoma City markets. Includes dedicated commercial loan officers and a Business 360 department for businesses across all markets.
• Private Banking Private banking relationship for high-net-worth individuals offering a dedicated private banker, personalized banking plans, specialized spending accounts, preferred credit programs, and elevated savings options. Operated as a relationship-based practice with bundled products designed for full relationships.
• Digital Banking (Online and Mobile Banking) Digital banking platform for personal and business accounts providing account access, bill pay, e-statements, mobile check deposit, Zelle peer-to-peer payments, mobile wallet, account alerts, and SmartVoice telephone banking. Separate commercial and small business online banking experiences are offered for business customers.
• Student Banking Bundle Bundled Student Checking and Student Savings accounts for students aged 10-21, providing a VISA debit card and a three-tier Step-Up Savings with an elevated APY when bundled with Student Checking. A 0.10% APY uplift applies when Student Checking is paired with Student Savings.
• Business Treasury Services Treasury management services for business customers, including ACH education, merchant services, remote deposit capture, and commercial online banking with positive pay fraud-prevention tools. Supported by a dedicated Treasury Support Team reachable by phone.
• Home Loans for Professionals Specialized mortgage program for licensed professionals such as medical doctors, dentists, attorneys, CPAs, and pharmacists, offering 7/6 adjustable rate loans, no down payment on loans up to $850,000, no private mortgage insurance, and exclusion of deferred student loan debt from qualification. Includes a cash-out refinancing option in cooperation with the Federal Home Loan Bank for single-family owner-occupied properties.
• Merchant Services Business payment processing solutions for small business clients, offering credit and debit card acceptance, gift card programs, inventory tracking, real-time transactional data, cash flow monitoring, and chargeback reports.
• Personal Credit Cards Personal VISA credit cards offered by Fidelity Bank for individual consumers, including balance transfer options and rewards programs.
• Business Credit Cards Business credit card products for commercial customers under the Business Lending product line at Fidelity Bank.
• Relationship Line of Credit Revolving credit line for existing Fidelity Bank customers providing flexible access to funds with competitive rates as part of the broader personal borrowing product suite.
• Small Business Payroll (Paychex) Payroll services partnership delivered through Paychex Payroll Services that provides small business clients with comprehensive employee pay solutions, time savings, payroll tax elimination, customizable reports, enhanced employee benefits, and a complimentary payroll evaluation offered by Fidelity Bank.

Quantifiable outcome

• Total Assets of $3.2 billion as of FY 2025
• +3 more outcomes

Named customers3 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

AI capability2 records

Feature4 records

Partnerships

Six partnerships are on record, tiered core and minor.

• PaychexcoreStrategic or Co-development PartnerFidelity Bank has partnered with Paychex Payroll Services to provide comprehensive employee pay solutions to small business clients. Services include time and money savings, elimination of payroll tax worries, customizable reports, enhanced employee benefits, and complimentary payroll evaluation.
• Falcon FraudcoreTechnology or IntegrationPartnership with Falcon Fraud's monitoring service for real-time debit card fraud detection. Provides SMS text messages, email alerts, and phone call notifications for suspicious transactions on debit cards 24/7.
• DirectLink (Remote Deposit Capture)coreTechnology or IntegrationDirectLink Remote Deposit Capture system enables business customers to scan and deposit checks remotely, eliminating branch visits for after-hours deposits.
• EPCORminorOthersEPCOR is a regional payments association for Midwestern states. Fidelity Bank is a corporate user member receiving access to educational resources, newsletters, and compliance information for ACH and payment regulations.
• NachaminorOthersNacha governs the ACH network and establishes rules for ACH transactions in the United States. Fidelity Bank aligns to Nacha standards for secure payment solutions and ACH transaction rules.
• Habitat for HumanityminorOthersPartnership through Fidelity Bank Foundation's 4th Generation Grants Committee for a whole house build project, expected to complete in Q1 2025.

Scale indicators9 records

Recent moves8 records

Expansion highlights6 records

Direct peers

• INTRUST Bank: Wichita, Kansas-based privately-held regional bank with comparable commercial lending, treasury services, and retail banking offerings. Direct overlap in Wichita/Kansas market and similar private-ownership profile make it the closest peer.
• Arvest Bank: Regional community bank headquartered in Northwest Arkansas with significant operations across Oklahoma, including commercial lending, mortgage, and retail banking. Competes head-to-head in Fidelity's Oklahoma (Tulsa, OKC) markets with similar product set.
• BancFirst: Oklahoma's largest state-chartered commercial bank with full-service commercial, retail, mortgage, and treasury operations across the state. Directly competes in Tulsa and Oklahoma City with comparable relationship-based commercial banking model.
• Commerce Bank: Kansas City-headquartered regional bank with personal, business, commercial lending, and wealth management offerings. Direct competitor in the Kansas City (Overland Park) market with similar full-service community banking footprint.
• Sunflower Bank: Texas/Kansas-based community bank offering commercial lending, treasury management, mortgage, and retail banking. Comparable size and geographic overlap in Kansas and Texas with similar relationship-banking approach.
• Equity Bank: Kansas-based community bank of similar size with full-service commercial, retail, and mortgage operations. Competes in Wichita and Kansas City markets with comparable family/private ownership history.
• First National Bank of Omaha: Privately-held Midwestern regional bank with commercial banking, treasury, mortgage, and private banking offerings. Similar family-influenced governance, multi-state footprint, and full-service community banking model.
• RCB Bank: Oklahoma-based community bank with personal, business, and commercial lending services across the Tulsa and Oklahoma City metros. Direct geographic competitor with similar size and community banking model.

Broad incumbents

• UMB Financial Corporation: Kansas City-based regional bank holding company with commercial banking, treasury services, and institutional banking far broader than Fidelity's footprint. Larger incumbent competitor offering overlapping commercial and treasury services.

Regional players

• SpiritBank: Oklahoma community bank focused primarily on Tulsa market with commercial and retail banking. Comparable in size and orientation; primary overlap is in Fidelity's Oklahoma (Tulsa) market.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/KSfidelitybank
• Facebookfacebook.com/ksfidelitybank
• LinkedInlinkedin.com/company/fidelity-bank-oklahoma-fidelity-bank

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 records

Subsidiaries1 record

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 Fidelity Bank / Oklahoma Fidelity Bank