First National Bank of Oklahoma

Community Bankingfnbok.com

First National Bank of Oklahoma is a privately held community bank founded in 1917, operating five branches and serving individuals, businesses, and agricultural borrowers across Oklahoma and Kansas with deposits, commercial and farm lending, and treasury management services.

Company typePrivate
Founded1917
HeadquartersOklahoma City, United States
Headcount51–100
GTM typeB2B and B2C
OfferingServices

What First National Bank of Oklahoma does

First National Bank of Oklahoma is a privately held community bank founded in 1917, headquartered in Tulsa, Oklahoma, and operating under FDIC insurance. The bank serves individuals, families, small businesses, commercial enterprises, and agricultural operators across Oklahoma and Kansas through five branch offices and approximately 70 employees. Its product portfolio is organized across personal banking (checking, savings, home mortgages, and electronic banking), business banking (commercial and industrial lending, commercial real estate, business loans, business deposit accounts), specialized agricultural lending (farm and ranch loans covering land, equipment, crop input, and grain inventory financing), and government-backed programs (SBA Express and USDA Business & Industry, Community Facilities, and Renewable Energy loans).

The bank's underlying technology consists of a traditional community-bank core processing stack extended through standard online and mobile banking channels and supplemented by third-party integrations, including Autobooks for small business accounting, Positive Pay for fraud prevention, Remote Deposit Capture for merchant deposits, and Digital One Business for commercial account management. None of these represent proprietary AI or machine learning capability; they are commercially available tools deployed under partnership arrangements.

Revenue is generated primarily through net interest income on the loan portfolio (commercial, commercial real estate, farm and ranch, home mortgage, USDA, and personal lending), supplemented by deposit account fees, treasury management services for businesses, and electronic banking fees. The go-to-market model is relationship-driven community banking: local decision-making, personalized service, and physical branch presence supplemented by digital self-service. The bank does not publicly disclose financial metrics; ownership is described as local and independent with no identified parent company, private equity backing, or public listing. The bank's Chairman and CEO is Pat Rooney.

First National Bank of Oklahoma firmographics

Firmographics

Name: First National Bank of Oklahoma
Legal name: First National Bank Of Oklahoma
Website: https://fnbok.com
Company type: Private
Founded year: 1917
Operating status: Operating
Headcount range: 51–100 employees
Short description: First National Bank of Oklahoma is a privately held community bank founded in 1917, operating five branches and serving individuals, businesses, and agricultural borrowers across Oklahoma and Kansas with deposits, commercial and farm lending, and treasury management services.
Ownership category
akta.pro rank

First National Bank of Oklahoma industry classification

Industry

Product category: Community Banking
NAICS: Commercial Banking (52211), Savings Institutions and Other Depository Credit Intermediation (52218)
SIC: National Commercial Banks (6021)
akta.pro primary industry: Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)
akta.pro secondary industries: Small Business Banking (Microbusiness/Sole Proprietor) (FSABAAAI), Agricultural & Rural Development Banks (FSABAKAE), SBA/Government-Backed & Development Finance Loans (FSAKAGAI)

Keywords

Community banking services
Commercial lending
Farm and ranch loans
Deposit accounts
Treasury management

Where First National Bank of Oklahoma is headquartered

Location

Headquarters

HQ city: Oklahoma City
HQ country: United States
HQ region: North America

Offices2 records

Markets served

First National Bank of Oklahoma business model

Business model

GTM type: B2B and B2C
Offering type: Services
Cost components: Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales

Revenue model

Interest Income from Lending: Primary revenue from interest earned on loans including commercial loans, commercial real estate loans, farm and ranch loans, home mortgages, USDA rural development loans, and personal lending products
Deposit Account Fees and Services: Fees from deposit account services including checking accounts (CONNECT Checking), savings, and electronic banking services
Commercial Banking Services: Revenue from business banking products including commercial lending, electronic banking for businesses, treasury management, and positive pay fraud prevention services

Pricing tiers

Model	Billing	Price
Other	Monthly	Deposit account products with straight-forward checking options

Go-to-market motion1 record

Distribution channels5 records

Marketing channels4 records

First National Bank of Oklahoma product offering

Product offering

Core offering

First National Bank of Oklahoma operates as a community bank providing personal and business deposit accounts, electronic banking, commercial and industrial lending, commercial real estate financing, farm and ranch loans, home mortgages, USDA Rural Development loans, and treasury management services including Positive Pay, Autobooks, and Remote Deposit Capture. It serves individuals, families, small businesses, agricultural operators, and commercial enterprises across Oklahoma and Kansas.

Product overview

First National Bank of Oklahoma operates as a traditional community bank offering a portfolio of personal and business banking products organized across three core lines: Personal Banking (checking, deposits, electronic banking, and home lending), Business Banking (commercial deposits, lending, farm & ranch loans, and commercial real estate), and Treasury Services (Positive Pay, Autobooks, and Remote Deposit Capture). The bank also participates in government-backed lending programs including USDA Rural Development and SBA Express. The product architecture is organized by customer segment (personal vs. business) rather than a unified platform with modular add-ons; the primary digital delivery channel is the Electronic Banking suite (online and mobile), supplemented by integrated third-party tools such as Autobooks for accounting. The portfolio is anchored by the CONNECT Checking account (rebranded from FastNet Checking in 2025) for consumers and the Digital One Business platform for commercial customers.

Differentiator

Problem solved

Functional benefit

Products and services

CONNECT Checking A personal checking account offering online and mobile banking access, bill pay, and everyday expense management for individual consumers. Previously branded as FastNet Checking and rebranded to CONNECT Checking in 2025.
Personal Deposit Accounts

Quantifiable outcome

Local decision-making with flexibility in loan terms, structure, and conditions
+1 more outcomes

Companies that use First National Bank of Oklahoma

Customer profile

Segments4 records

Ideal customer profiles3 records

First National Bank of Oklahoma technology and API

Technology

Technology focussed No

API detail

Has API: No
API docs
API detail

Core technology

AI maturity

App detail

Integration1 record

Feature6 records

First National Bank of Oklahoma partnerships and signals

Strategic signal

Scale indicators4 records

Recent moves4 records

Expansion highlights4 records

First National Bank of Oklahoma competitors and assessment

Company assessment

Direct peers

BancFirst Corporation: Largest Oklahoma-based commercial bank holding company; serves consumers and businesses across Oklahoma with a branch network and full commercial and ag lending capabilities, making it the most directly comparable Oklahoma-headquartered community/commercial bank peer.
SpiritBank: Tulsa-based community bank operating multiple branches across Oklahoma with personal, business, and treasury banking products — directly comparable by geography, size, and product focus.
Equity Bank: Kansas-headquartered community bank with strong agricultural lending focus and multi-state branch network; highly comparable on ag financing and small-business banking in FNBOK's Kansas service area.
Great Plains State Bank: Oklahoma-based community bank with personal and commercial deposit and lending services — directly comparable in size, scope, and regional footprint.
First American Bank (Oklahoma): Community bank operating in Oklahoma with personal and business banking products including farm lending — comparable small-scale community bank model serving overlapping geographies.

Broad incumbents

BOK Financial: Tulsa-headquartered financial services holding company; direct geographic competitor in Oklahoma and Kansas with a much larger commercial, energy, and ag lending franchise — comparable products with far greater scale.
International Bancshares Corporation: Multi-state bank holding company operating community banks across the South and Midwest with commercial, consumer, and mortgage lending — comparable community-banking model at greater scale.
QCR Holdings: Community-bank holding company operating multiple community banks across the Midwest with ag, commercial, and consumer banking — comparable community-banking roll-up model with similar product emphasis.

Regional players

Arvest Bank: Regional community bank serving Oklahoma, Arkansas, Missouri, and Kansas with consumer, small business, mortgage, and commercial banking — comparable product suite and Plains-states footprint.
PlainsCapital Bank: Dallas-based Plains-states commercial bank with deposit, treasury, ag, and small-business lending — comparable agricultural and commercial banking focus across the same regional corridor.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

First National Bank of Oklahoma compliance and trust

Trust signal

Compliance1 record

First National Bank of Oklahoma financial estimates

Financial estimate

Revenue estimate

Valuation estimate

First National Bank of Oklahoma leadership team

Management profile

Number of profiles

Profiles1 record

First National Bank of Oklahoma funding detail

Funding detail

Funding overview

Funding rounds2 records

Investors

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

First National Bank of Oklahoma M&A and investment

M&A and investment

M&A

Investments

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

Frequently asked questions about First National Bank of Oklahoma

What does First National Bank of Oklahoma do?

Is First National Bank of Oklahoma a public or private company?

First National Bank of Oklahoma is a private company. It is classified as unknown and is currently operating.

When was First National Bank of Oklahoma founded?

First National Bank of Oklahoma was founded in 1917. It employs 51 to 100 people.

Where is First National Bank of Oklahoma based?

First National Bank of Oklahoma is headquartered in Oklahoma City, United States, in the North America region.

How does First National Bank of Oklahoma make money?

Three revenue lines are on record. Interest Income from Lending is the primary driver. The others are deposit Account Fees and Services and commercial Banking Services.

Who are First National Bank of Oklahoma's main competitors?

Direct peers on record are BancFirst Corporation, SpiritBank, Equity Bank, Great Plains State Bank and First American Bank (Oklahoma). Broad incumbents are BOK Financial, International Bancshares Corporation and QCR Holdings. Regional players are Arvest Bank and PlainsCapital Bank.

Does First National Bank of Oklahoma have an API?

No public API is recorded for First National Bank of Oklahoma.

What industry is First National Bank of Oklahoma in?

First National Bank of Oklahoma's product category is Community Banking. Its primary akta.pro industry code is FSABAAAA, Mass-Market Consumer Deposit Banking (Checking/Savings), with a secondary code of FSABAAAI, Small Business Banking (Microbusiness/Sole Proprietor). Its NAICS code is 52211 and its SIC code is 6021.