Oklahoma’s largest headquartered commercial real estate bank lenders vary substantially in scale, portfolio mix and concentration. The 25 banks in the table hold $46.1 billion in total CRE loans, including $8.7 billion in construction and land loans, $5.3 billion in multifamily loans, $12.2 billion in owner occupied loans and $19.9 billion in investor nonfarm nonresidential loans. BestCRE ranks them by total commercial real estate loans reported on June 30, 2026. The figures come from FDIC Call Reports, formally the Reports of Condition and Income, schedule RC-C. They measure loans held on each bank’s balance sheet, not lending commitments, production volume or loans secured only by properties in Oklahoma.
Oklahoma had 167 headquartered banks with $58.2 billion in combined CRE loans, up +6.4% year over year. The top five held 55.8% of that total, showing that much of the reported balance is concentrated among a small group of institutions. For comparison, 4,167 banks nationally reported $3.07 trillion in total CRE loans. The ranking is a starting point for identifying banks with relevant balance sheet exposure, but it is not a judgment about approval likelihood or loan terms. Borrowers should compare portfolio size, property type mix, recent growth and concentration, then speak directly with several lenders about current interest and fit.
Oklahoma banks ranked by total CRE loans
| Rank | Bank | Headquarters | Total CRE loans ($M) | Construction and land ($M) | Multifamily ($M) | Owner occupied ($M) | Change, 1 year | CRE share of loans |
|---|---|---|---|---|---|---|---|---|
| 1 | BOKF, N.A. | Tulsa, OK | $11,334 | $1,488 | $2,046 | $3,796 | +5.2% | 41.8% |
| 2 | MidFirst Bank | Oklahoma City, OK | $9,265 | $1,068 | $1,009 | $2,689 | +1.5% | 27.6% |
| 3 | First United Bank and Trust Company | Durant, OK | $6,030 | $1,555 | $964 | $1,131 | +5.1% | 47.1% |
| 4 | BancFirst | Oklahoma City, OK | $3,129 | $694 | $360 | $807 | +8.9% | 43.3% |
| 5 | InterBank | Oklahoma City, OK | $2,720 | $878 | $149 | $114 | -2.0% | 57.3% |
| 6 | First Fidelity Bank | Oklahoma City, OK | $1,415 | $152 | $83.3 | $472 | +11.2% | 66.2% |
| 7 | Regent Bank | Tulsa, OK | $1,002 | $290 | $72.1 | $295 | +31.4% | 53.6% |
| 8 | Stride Bank, N.A. | Enid, OK | $996 | $86.5 | $16.8 | $113 | +12.8% | 19.9% |
| 9 | Armstrong Bank | Muskogee, OK | $869 | $262 | $93.4 | $219 | +21.0% | 41.8% |
| 10 | Bank 7 | Oklahoma City, OK | $834 | $235 | $7.3 | $136 | +11.5% | 52.0% |
| 11 | Mabrey Bank | Bixby, OK | $761 | $123 | $47.6 | $307 | +24.8% | 48.9% |
| 12 | First Oklahoma Bank | Jenks, OK | $749 | $118 | $61.3 | $192 | +20.4% | 65.2% |
| 13 | RCB Bank | Claremore, OK | $731 | $166 | $21.5 | $338 | -4.9% | 32.0% |
| 14 | Sovereign Bank | Shawnee, OK | $678 | $181 | $13.2 | $127 | +18.8% | 56.2% |
| 15 | Gateway First Bank | Jenks, OK | $666 | $242 | $66.0 | $43.5 | +7.1% | 41.6% |
| 16 | Great Plains National Bank | Elk City, OK | $660 | $202 | $64.0 | $178 | +11.8% | 40.0% |
| 17 | Blue Sky Bank | Pawhuska, OK | $585 | $93.5 | $77.2 | $168 | +12.7% | 51.5% |
| 18 | Kirkpatrick Bank | Edmond, OK | $564 | $109 | $7.3 | $82.3 | +1.1% | 79.9% |
| 19 | Security Bank | Tulsa, OK | $463 | $68.8 | $9.1 | $176 | +2.3% | 59.7% |
| 20 | International Bank of Commerce | Oklahoma City, OK | $461 | $146 | $29.2 | $123 | +1.4% | 70.6% |
| 21 | Liberty National Bank | Lawton, OK | $440 | $67.3 | $31.3 | $127 | -5.5% | 49.7% |
| 22 | Firstar Bank | Sallisaw, OK | $440 | $129 | $29.1 | $141 | +6.0% | 52.0% |
| 23 | Valliance Bank | Oklahoma City, OK | $435 | $97.3 | $2.4 | $126 | +32.5% | 55.7% |
| 24 | Grand Savings Bank | Grove, OK | $425 | $177 | $12.2 | $106 | +15.6% | 50.4% |
| 25 | First National Bank of Oklahoma | Oklahoma City, OK | $421 | $78.6 | $16.9 | $167 | +5.5% | 56.0% |
Source: FDIC Call Reports as of June 30, 2026 (schedule RC-C). Dollar figures in millions. Change, 1 year compares total CRE loans with June 30, 2025. Bank names link to each bank’s FDIC record. Table shows the top 25 of 167 banks headquartered in Oklahoma.
BOKF, N.A. leads with $11.3 billion in CRE loans, followed by MidFirst Bank at $9.3 billion and First United Bank and Trust Company at $6.0 billion. Their mixes differ. BOKF, N.A. reports $3.8 billion in owner occupied loans and $4.0 billion in investor nonfarm nonresidential loans, while MidFirst Bank reports $4.5 billion in investor nonfarm nonresidential loans. First United Bank and Trust Company has $1.6 billion in construction and land loans. Growth is broad but uneven. Valliance Bank reports +32.5%, Regent Bank +31.4% and Mabrey Bank +24.8%, while Liberty National Bank reports -5.5%. Concentration also varies. Kirkpatrick Bank has CRE equal to 79.9% of total loans and an investor CRE to equity ratio of 5.30x, both high relative to the table. MidFirst Bank reports 27.6% and 1.57x, respectively.
Out of state banks with branches in Oklahoma
| Bank | Headquarters state | Branches in Oklahoma | Deposits in Oklahoma ($M) | Total CRE loans, all states ($M) |
|---|---|---|---|---|
| Arvest Bank | Arkansas | 79 | $7,212 | $7,489 |
| JPMorgan Chase Bank, N.A. | Ohio | 29 | $7,071 | $179,847 |
| Bank of America, N.A. | North Carolina | 18 | $6,672 | $79,906 |
| Prosperity Bank | Texas | 18 | $1,708 | $10,365 |
| Simmons Bank | Arkansas | 19 | $1,374 | $10,727 |
| Equity Bank | Kansas | 14 | $1,256 | $2,532 |
| Busey Bank | Illinois | 3 | $888 | $6,480 |
| The First National Bank of Fort Smith | Arkansas | 9 | $474 | $915 |
| Intrust Bank, N.A. | Kansas | 6 | $364 | $2,054 |
| The Central Trust Bank | Missouri | 9 | $348 | $5,466 |
| First-Citizens Bank & Trust Company | North Carolina | 2 | $308 | $38,808 |
| Fidelity Bank, N.A. | Kansas | 5 | $270 | $1,475 |
Source: FDIC Summary of Deposits 2026. Deposits and branches are for Oklahoma only; CRE loans are bank wide.
The ranking is a starting point for a bank loan search
Total CRE loans indicate the size of a bank’s existing commercial property book and can help borrowers identify institutions with demonstrated appetite and balance sheet hold capacity. BOKF, N.A., MidFirst Bank and First United Bank and Trust Company lead the Oklahoma headquartered group with $11.3 billion, $9.3 billion and $6.0 billion, respectively. Size alone does not establish fit. A borrower should compare the relevant property category, recent portfolio growth and concentration before contacting a bank. The national rank provides additional scale context, with the three leaders ranked 42, 62 and 90 among the 4,167 banks covered.
Growth can show which banks are adding CRE loans, although it does not identify new originations or current approval standards. Regent Bank reports +31.4% year over year growth, Armstrong Bank +21.0% and First Oklahoma Bank +20.4%. By contrast, InterBank reports -2.0% and RCB Bank -4.9%. A larger or growing portfolio can merit a call, but bank lending remains relationship driven and local. Borrowers should discuss the property, sponsorship and requested structure directly with several institutions because reported balances cannot show whether a bank is seeking a particular transaction at the time of inquiry.
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The category columns reveal meaningful differences in portfolio emphasis. BOKF, N.A. has the largest multifamily balance at $2.0 billion, while First United Bank and Trust Company reports $1.6 billion in construction and land loans. MidFirst Bank’s largest reported CRE category is investor nonfarm nonresidential at $4.5 billion. At InterBank, construction and land loans total $878.5 million and investor nonfarm nonresidential loans total $1.6 billion, compared with $113.7 million in owner occupied loans. These figures help borrowers identify balance sheets with substantial exposure to a relevant loan category, without indicating terms or current availability.
CRE share of total loans and investor CRE to equity add context about concentration. Kirkpatrick Bank reports a 79.9% CRE share and a 5.30x investor CRE to equity ratio, both high relative to other banks in the table. First Fidelity Bank reports 66.2% and 3.79x, while First Oklahoma Bank reports 65.2% and 4.75x. BOKF, N.A. reports 41.8% and 1.31x. Concentration can signal that a bank will be selective even when its CRE portfolio is substantial. Borrowers should therefore read concentration alongside absolute balances, category mix and growth rather than treating any single measure as decisive.
Oklahoma borrowers can compare local banks with other capital sources
The ranking covers banks headquartered in Oklahoma, not every bank operating there. FDIC Summary of Deposits 2026 data show several out of state institutions with local branches. Arvest Bank, headquartered in Arkansas, has 79 Oklahoma branches and $7.2 billion in Oklahoma deposits. JPMorgan Chase Bank, N.A., headquartered in Ohio, has 29 branches and $7.1 billion in deposits, while Bank of America, N.A., headquartered in North Carolina, has 18 branches and $6.7 billion. Their reported total CRE loans across all states are $7.5 billion, $179.8 billion and $79.9 billion, respectively.
Borrowers can also compare banks with debt funds, life companies, CMBS, agency and SBA lenders. Those sources do not appear in bank Call Reports, so this ranking cannot represent the full financing market. Each lender type evaluates opportunities under its own current requirements, and reported bank balances do not disclose pricing, structure or transaction eligibility. Comparing several sources gives a borrower a broader view of potential fit. The useful approach is to identify banks with relevant scale and portfolio mix, include out of state banks with an Oklahoma branch presence, and assess appropriate nonbank alternatives for the property and requested financing.
Frequently Asked Questions
How does BestCRE rank Oklahoma commercial real estate lenders?
BestCRE ranks banks headquartered in Oklahoma by total commercial real estate loans reported as of June 30, 2026. The source is FDIC Call Reports, formally the Reports of Condition and Income, schedule RC-C. Total CRE combines construction and land, multifamily, owner occupied, and investor nonfarm nonresidential balances. The table covers 25 institutions with $46.1 billion in combined CRE loans. It measures loans held on bank balance sheets, not originations, commitments, approvals or property specific lending inside Oklahoma. FDIC Summary of Deposits 2026 data are used separately to identify out of state banks with branches and deposits in Oklahoma.
Which Oklahoma bank has the largest construction loan balance?
First United Bank and Trust Company reports the largest construction and land balance in the ranked table at $1.6 billion. The Durant headquartered bank has $6.0 billion in total CRE loans, including $963.8 million in multifamily loans, $1.1 billion in owner occupied loans and $2.4 billion in investor nonfarm nonresidential loans. BOKF, N.A. reports $1.5 billion in construction and land loans, while MidFirst Bank reports $1.1 billion. These balances show the size of each bank’s held portfolio as of June 30, 2026, but they do not establish current construction lending availability or transaction requirements.
Which ranked Oklahoma bank grew its CRE portfolio fastest?
Valliance Bank reports the highest year over year CRE growth in the table at +32.5%. The Oklahoma City headquartered bank has $434.6 million in total CRE loans, consisting of $97.3 million in construction and land, $2.4 million in multifamily, $125.5 million in owner occupied and $209.5 million in investor nonfarm nonresidential loans. Regent Bank follows with +31.4%, and Mabrey Bank reports +24.8%. Growth identifies changes in reported balances between Call Report periods. It does not distinguish originations from repayments, sales, acquisitions or other balance sheet changes, and it does not indicate future lending activity.
What interest rate benchmarks should CRE borrowers monitor?
As of Oct 26, 2026, the Prime rate was 7.00%, SOFR was 3.89%, the 5 year Treasury was 4.78%, the 10 year Treasury was 4.96% and Fed funds was 3.88%. These are market benchmarks, not quoted loan rates from the banks in the ranking. The FDIC data do not report the pricing, spread, fees or structure available for a new transaction. Borrowers can use the benchmarks as general context when speaking with lenders, while recognizing that an actual proposal depends on the lender’s current requirements and the specific transaction. Several proposals are needed for a useful comparison.
Why do the figures not measure each bank’s Oklahoma lending?
FDIC Call Reports generally present each bank’s balance sheet at the institution level, so the CRE totals include loans across every state where that bank operates. BOKF, N.A.’s $11.3 billion balance therefore represents total bank CRE loans, not only loans secured by Oklahoma properties. The same distinction applies to out of state banks. JPMorgan Chase Bank, N.A. has 29 Oklahoma branches and $7.1 billion in Oklahoma deposits, but its $179.8 billion in total CRE loans covers all states. Headquarters and branch presence establish the grouping used on the page; they do not provide a geographic allocation of reported CRE loans.
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BestCRE rankings are editorially independent and built only from public regulatory filings; no bank pays for placement. Call report figures describe loans held on each bank’s balance sheet and do not show loan terms, rates or current appetite. BestCRE is not a lender and does not make loans. Benchmark rates are informational, not quotes. See our Legal Disclaimer and Compensation Disclosure.