Kirkpatrick Bank

What Kirkpatrick Bank does

Kirkpatrick Bank is a privately held community bank headquartered in Edmond, Oklahoma, providing personal and business banking services to customers across Oklahoma and Colorado. Originally chartered in 1970 as American Bank of Edmond Building Corp., the bank was acquired by Christian Keesee in 1988, renamed Kirkpatrick Bank in 2004, and now operates as a wholly owned subsidiary of Kirkpatrick Bancorp, Inc. (renamed from American Bancorp of Oklahoma, Inc. in April 2025). As of year-end 2024, the bank reported $733 million in total loans and over $1 billion in total assets, supported by 5 full-service branches, 4 satellite mortgage and loan production offices, and a digital platform spanning online banking, mobile apps (KBBiz Mobile for business, plus consumer mobile), and Zelle-enabled person-to-person payments.

The product set spans consumer deposit accounts (Simply Free Checking, 50 Plus Interest Checking, Direct Interest Checking, Preferred Interest Checking, Money Market, Basic Savings, Minor Savings, CDs, IRAs, HSAs), consumer lending (mortgages, home equity loans/LOCs, personal loans, credit cards via TCM Bank, N.A.), and commercial banking (CRE loans for construction, mini-perm, owner-occupied, income-producing, and multi-family properties; SBA loans; equipment financing; lines of credit). Business banking is augmented by treasury management (ACH origination and approval, Positive Pay, ACH Positive Pay, Remote Deposit Capture, wire transfers, QuickBooks sync) and merchant services. Investment services and private banking are delivered through a referral partnership with Raymond James Financial Services. Revenue is generated primarily through net interest income on the loan portfolio, supplemented by transaction-based fees for treasury management, interchange from debit/credit cards, and referral fees from Raymond James and TCM Bank.

The bank pursues a relationship-driven, sales-led go-to-market with local decision-making in commercial banking, paired with a freemium personal banking model (no monthly maintenance fees on Simply Free Checking/Business Checking). Distribution is multi-channel: physical branches, loan officers, self-serve online and mobile banking, Zelle, MoneyPass ATMs (25,000+ surcharge-free), and TCM Bank-issued Visa credit cards. Recent strategic activity centers on Colorado expansion (new Denver Tech Center branch September 2025, Boulder Loan Production Office, ongoing mortgage growth), the April 2025 holding-company rebrand to Kirkpatrick Bancorp, Inc., the May 2026 CEO succession from George Drew to Kyle Powell, and the May 2024 launch of Digital Wallets. No proprietary AI/ML capabilities are disclosed; technology is delivered through standard cloud-based banking platforms with third-party fraud, payments, and insurance-scaling integrations.

Name

Kirkpatrick Bank

Legal name

Kirkpatrick Bank

Website

https://kirkpatrickbank.com

Company type

Private

Founded year

1970

Operating status

Operating

Headcount range

101–250 employees

Short description

Kirkpatrick Bank is a privately held community bank headquartered in Edmond, Oklahoma, serving personal and business banking customers across Oklahoma and Colorado with $733 million in loans and over $1 billion in total assets.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Depository Credit Intermediation (5221), Savings Institutions and Other Depository Credit Intermediation (52218), Finance and Insurance (52)

SIC

National Commercial Banks (6021), State Commercial Banks (6022), Savings Institutions, Not Federally Chartered (6036)

akta.pro primary industry

Agricultural & Rural Cooperatives (Farm Credit/Co-op Banks) (FSABAEAG)

akta.pro secondary industries

SBA/Government-Backed & Development Finance Loans (FSAKAGAI), Private Banking Custody, Depository & Safekeeping Services (FSABADAI)

Keywords

• Community banking services
• Commercial real estate lending
• Treasury management solutions
• SBA loan financing
• Consumer mortgage lending

Headquarters

HQ city

Edmond

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, Marketing or Sales, Infrastructure, Supply Chain

Revenue model

1. Net Interest Income: Interest income earned on loan portfolio including commercial real estate (construction, mini-perm, owner occupied, income producing, multi-family), equipment financing, SBA loans, lines of credit, and consumer loans (vehicles, recreational, home equity). Interest paid on deposit accounts. Primary revenue driver.
2. Non-Interest Income - Fee-Based Services: Fee income from treasury management services (ACH origination, wire transfers, remote deposit capture, Positive Pay), merchant services, analysis checking fees, money market and CD maintenance fees where balance minimums are not met, overdraft and NSF fees.
3. Interchange Revenue: Interchange income from debit and credit card transactions. Debit cards provided to all personal and business checking customers. Visa corporate credit cards issued through partnership with TCM Bank, N.A.
4. Referral Fees - Raymond James: Kirkpatrick Bank refers potential investment clients to Raymond James and receives a referral fee. This creates a financial incentive to refer customers to Raymond James, with compensation paid when a referred client becomes a client of Raymond James.
5. Insurance & Investment Referral: Referral fees from third-party insurance and investment advisors. Kirkpatrick Bank works with local financial planners and Raymond James for investment and retirement planning services offered to customers.

Pricing tiers

Go-to-market motion2 records

Distribution channels8 records

Marketing channels7 records

Core offering

Kirkpatrick Bank is a privately owned community bank that accepts deposits and originates loans for individuals and businesses across Oklahoma and Colorado. Its product set spans personal checking, savings, money market, CDs, IRAs, HSAs, personal loans, home equity loans and lines, and mortgages; for businesses it provides commercial checking, treasury management, ACH origination, Positive Pay, Remote Deposit Capture, commercial real estate loans, equipment financing, SBA loans, and lines of credit. Investment and wealth management services are delivered through a referral partnership with Raymond James.

Product overview

Kirkpatrick Bank is a community-focused regional bank offering a comprehensive suite of banking products and services through a unified platform. The core offerings include personal checking and savings accounts (Simply Free Checking, 50 Plus Interest Checking, Direct Interest Checking, Preferred Interest Checking, Money Market, Basic Savings, Minor Savings), business banking services (Simply Free Business Checking, Business Interest Checking, Analysis Checking), and specialized lending products (Mortgages, Home Equity Loans/LOC, Personal Loans, Commercial Real Estate Loans, Equipment Financing, SBA Loans). Digital banking capabilities include Online Banking, Mobile Banking with KBBiz Mobile app, Mobile Deposit, and Zelle for person-to-person payments. Treasury management services include ACH Origination, Remote Deposit Capture, Positive Pay fraud protection, and Merchant Services. The bank also offers investment services through a Raymond James partnership, and recently introduced Digital Wallets for mobile payments. All products are supported by FDIC insurance and accessible through the bank's branch network in Oklahoma and Colorado.

Differentiator

Problem solved

Functional benefit

Products and services

• Simply Free Checking

Named customers1 record

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature9 records

Partnerships

Four partnerships are on record, tiered core and key.

• Early Warning Services (Zelle®)coreTechnology or IntegrationKirkpatrick Bank is a participating financial institution in the Zelle® network, enabling its customers to send and receive money directly from their Kirkpatrick Bank account to enrolled recipients at other banks in minutes. Customers enroll through Bill Pay within online banking and use their email address or U.S. mobile number to transact.
• Raymond James Financial ServiceskeyGTM or Marketing PartnerKirkpatrick Bank partners with Raymond James to provide investment services to customers. The bank refers potential clients to Raymond James advisors (Josh Waymire in Colorado, Bill Callis/APG Wealth Management in Oklahoma) in exchange for a referral fee. Raymond James provides financial planning, trust and estate, asset management, and succession planning services. The arrangement creates a conflict of interest as disclosed on the bank's website.
• TCM Bank, N.A.keyChannel Partner/ Reseller/ DistributorTCM Bank, N.A. issues consumer and corporate Visa credit cards for Kirkpatrick Bank customers. Cards include reward packages and spending limits customizable to the customer. Cards are issued by TCM Bank, N.A. and subject to credit approval. The partnership also offers Visa corporate credit cards for businesses, non-profits, and government entities of various sizes.
• MoneyPasscoreTechnology or IntegrationKirkpatrick Bank is a member of MoneyPass, a network offering surcharge-free ATMs coast to coast. This partnership provides Kirkpatrick Bank customers with access to over 25,000 surcharge-free ATMs nationwide at MoneyPass locations, supplementing the bank's own ATM network.

Scale indicators11 records

Recent moves9 records

Expansion highlights5 records

Direct peers

• BancFirst: Oklahoma's largest state-chartered commercial bank with community banking branches across the state and into Colorado/Texas. Direct comparable in SMB banking, CRE lending, treasury management, and Oklahoma market focus.
• FirstBank: Lakewood, Colorado-based community bank with strong Colorado Front Range presence including Denver Tech Center. Direct comparable on Colorado SMB banking, mortgage origination, and relationship-driven service model.
• Intrust Bank: Wichita, Kansas-based privately held community bank operating in Kansas, Oklahoma, Missouri and Texas. Comparable as a Midwestern family-controlled community bank with similar CRE, commercial lending and treasury management focus.
• Stride Bank: Oklahoma-based community bank with consumer, business and digital banking offerings. Comparable as an Oklahoma state-chartered community bank competing for SMB and consumer deposits in Kirkpatrick's primary market.

Broad incumbents

• BOK Financial: Tulsa-based regional financial holding company (NASDAQ: BOKF) operating Bank of Oklahoma, BOK Financial Private Bank and other subsidiaries across multiple states. Major incumbent competitor across Oklahoma and Colorado commercial and consumer banking.
• Arvest Bank: Arkansas-based regional bank with significant presence in Oklahoma and surrounding states. Competitor in Oklahoma commercial and consumer banking with similar community banking philosophy at larger scale.
• Frost Bank: Texas-based regional bank known for relationship banking and CRE expertise with branches in multiple states. Comparable in family-influenced governance, CRE lending strength, and relationship-driven commercial banking model.

Regional players

• Stockmens Bank: Colorado-based community bank serving Colorado Springs and surrounding markets. Direct geographic overlap with Kirkpatrick's Colorado Springs branch and comparable relationship-banking approach.
• Adams Bank & Trust: Colorado and Nebraska community bank offering agricultural, commercial and consumer banking. Comparable in family-controlled community banking model and Western/Central US geographic focus.
• International Bank of Commerce (IBERIABANK/First Horizon): Multi-state community/regional bank with operations spanning Texas, Oklahoma and surrounding markets. Comparable in SMB banking, treasury management offerings, and CRE lending to mid-market commercial customers.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/kirkpatrickbank
• LinkedInlinkedin.com/company/kirkpatrick-bank
• Instagraminstagram.com/kirkpatrick.bank/?hl=en

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Subsidiaries3 records

Funding overview

Funding rounds

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 Kirkpatrick Bank