Which banks are lending on multifamily and commercial real estate in Oklahoma?
Reviewed by Dominick Prevete, Founder, Blue Sky Capital Advisors
LinkedInBlue Sky Capital Advisors LLC, NJ entity ID 0450507578 (verify on the NJ business search)
171 FDIC-insured banks headquartered in Oklahoma with under $100 billion in assets held $6.1 billion of multifamily loans and $42.8 billion of commercial real estate loans at June 30, 2026, in Dominick Prevete's analysis of FDIC Call Report data for Blue Sky Capital Advisors, a commercial mortgage advisor. The two largest multifamily books are at Bokf, N.A. and Midfirst Bank. 15.6% of the state's bank CRE sits at banks at or above the 300% monitoring level, rank 21 of 43 states.
Data as of June 30, 2026 (Q2 2026 FDIC Call Reports) · Retrieved October 12, 2026MethodologyDownload the Oklahoma data (CSV)
Oklahoma bank CRE at a glance
| Measure | Oklahoma | U.S. | Rank of 43 |
|---|---|---|---|
| FDIC-insured banks | 171 | 4,281 | 7 |
| Multifamily loans | $6.1B | $405.2B | 20 |
| Total CRE loans | $42.8B | $1,600.5B | 13 |
| Multifamily growth, year over year | +0.1% | +3.5% | 37 |
| CRE growth, year over year | +4.9% | +3.4% | 17 |
| Share of CRE at banks at or above 300% | 15.6% | 25.0% | 21 |
| Share of CRE at banks at or above 200% | 52.4% | 71.0% | 35 |
| Banks growing multifamily | 14 of 20 (70.0%) | 670 of 1,066 (62.9%) | 11 |
CRE is construction, multifamily and non-owner-occupied commercial real estate loans. Growth is like for like: Oklahoma banks that filed at both dates with no merger in the year. "Banks growing multifamily": of the 20 such Oklahoma banks with a multifamily book of $25 million or more a year earlier, the 14 whose book is larger now; the rank orders that share.
What stands out in Oklahoma
15.6% of Oklahoma's bank CRE sits at banks at or above the 300% monitoring level, ranking 23rd lowest of the 43 ranked states (U.S.: 25.0%).
Less of this state's bank CRE sits at banks near their concentration limits, so concentration is less likely to be why a bank here says no.
14 of Oklahoma's 20 banks with a multifamily book of $25 million or more a year ago grew it (70.0%), ranking 11th highest of the 43 ranked states (U.S.: 62.9%).
More of this state's multifamily lenders are growing their books than nationally, so a borrower here has more banks worth asking.
Which Oklahoma banks are growing multifamily?
| # | Bank | City | Multifamily loans | Multifamily, year over year | CRE concentration (% of capital) | CRE, 36 months |
|---|---|---|---|---|---|---|
| 1 | BOKF NATIONAL ASSN | TULSA | $2.0B | −13.9% | 131.3% | +8.7% |
| 2 | MIDFIRST BANK | OKLAHOMA CITY | $1.0B | +5.2% | 160.7% | +10.4% |
| 3 | FIRST UNITED BANK&TRUST CO | DURANT | $963.8M | +2.6% | 279.6% | +3.1% |
| 4 | BANCFIRST | OKLAHOMA CITY | $359.6M | −6.4%‡ | 160.5% | +30.6%† |
| 5 | INTERBANK | OKLAHOMA CITY | $148.9M | +143.4% | 424.2% | +23.9% |
| 6 | ARMSTRONG BANK | MUSKOGEE | $93.4M | +26.5% | 203.7% | +64.8% |
| 7 | FIRST FIDELITY BANK | OKLAHOMA CITY | $83.3M | +13.8% | 284.2% | +21.2% |
| 8 | BLUE SKY BANK | PAWHUSKA | $77.2M | +13.2% | 313.1% | +78.7% |
| 9 | REGENT BANK | TULSA | $72.1M | +58.0% | 300.0% | +89.4% |
| 10 | GATEWAY FIRST BANK | JENKS | $66.0M | −17.1% | 213.9% | +29.0% |
| 11 | GREAT PLAINS NATIONAL BANK | ELK CITY | $64.0M | +16.9% | 243.4% | −1.1% |
| 12 | FIRST OKLAHOMA BANK | JENKS | $61.3M | +144.1% | 435.5% | +35.4% |
| 13 | CATTLEMENS BANK | ALTUS | $51.3M | +1.3% | 286.3% | +13.0% |
| 14 | FRONTIER STATE BANK | OKLAHOMA CITY | $50.2M | +8.9% | 380.4% | +32.4% |
| 15 | MABREY BANK | BIXBY | $47.6M | +36.1% | 239.9% | +45.7% |
| 16 | FIRST BANK&TRUST CO | DUNCAN | $42.7M | −9.5% | 224.1% | +0.6%† |
| 17 | VISION BANK | ADA | $41.7M | +45.8% | 200.7% | −0.5% |
| 18 | CITY NB&T CO OF LAWTON OK | LAWTON | $38.5M | +11.1% | 249.6% | +9.2% |
| 19 | CHICKASAW COMMUNITY BANK | OKLAHOMA CITY | $33.8M | −4.2%‡ | 219.8% | +38.6%† |
| 20 | LIBERTY NATIONAL BANK | LAWTON | $31.3M | −3.0% | 213.9% | −0.7% |
| 21 | VAST BANK NATIONAL ASSN | TULSA | $31.0M | +65.3% | 163.2% | −27.3% |
| 22 | INTERNATIONAL BK OF COM | OKLAHOMA CITY | $29.2M | −2.0% | 127.0% | +6.6% |
| 23 | FIRSTAR BANK | SALLISAW | $29.1M | +30.4% | 253.0% | +15.5%† |
| 24 | FIRST PRYORITY BANK | PRYOR | $23.8M | −4.1% | 224.2% | +0.1% |
| 25 | BANK NATIONAL ASSN | MCALESTER | $22.9M | +121.4% | 228.4% | +36.2% |
‡ / † 4 of these 25 Oklahoma banks absorbed another institution inside the year-over-year / 36-month window (FDIC structure history), so their change reflects a merger, not solely new lending. Names as filed in the FDIC financial data; city is the headquarters. Shading: 300% and over, and 200%–299%.
Banks with $100 billion or more in assets are left out of this table and the state ranks, as on the national page: the largest banks' balance sheets are national. None is headquartered in Oklahoma.
This list is FDIC Call Report data, not a list of Blue Sky's lender relationships, and it isn't a ranking or endorsement. How Blue Sky gets paid →
Download every Oklahoma bank (CSV)Every state, and the national picture →
What this means if you're a borrower in Oklahoma
Concentration is less likely to stand in the way at a Oklahoma bank, so the conversation turns on the property, the sponsor and whether the bank wants a loan of your size.
With many Oklahoma banks growing their multifamily books, a borrower usually has more than one bank to compare before choosing.
Dominick Prevete of Blue Sky Capital Advisors arranges multifamily and commercial financing for Oklahoma properties with banks and other lenders, and is paid at closing (how Blue Sky gets paid). Call (908) 220-6404 or request a consultation.
Sources
- FFIEC Central Data Repository: public Call Reports as of June 30, 2026 — Every bank figure on this page: each bank's loans, capital, concentration and growth, from its Call Report as of June 30, 2026 (retrieved October 12, 2026).
- FDIC BankFind Suite: bank lookup — The banks named in the table: look up any Oklahoma bank by name or FDIC certificate number to confirm its headquarters and status.
- Oklahoma banks, bank by bank (CSV) — The 171 banks headquartered in Oklahoma, as filed: the rows behind the tables and every state figure here.
- Methodology, sources and limitations — How CRE concentration, like-for-like growth and the ranks among the 43 states are computed.
Oklahoma bank CRE: common questions
Which banks in Oklahoma hold the most multifamily loans?+
Among banks headquartered in Oklahoma with under $100 billion in assets, Bokf, N.A. ($2.0 billion), Midfirst Bank ($1.0 billion) and First United Bank&Trust Co ($963.8 million) held the largest multifamily books at June 30, 2026, according to FDIC Call Report data. The table on this page lists the 25 largest, with each bank's change over the year.
Are Oklahoma banks still growing multifamily?+
Like for like, Oklahoma's banks grew 0.1% their multifamily books in the year to June 30, 2026, against +3.5% for U.S. banks under $100 billion. 14 of the 20 Oklahoma banks with a multifamily book of $25 million or more a year earlier grew it. Like for like means banks that filed at both dates with no merger in the year.
How concentrated is Oklahoma bank CRE?+
15.6% of the CRE held by Oklahoma's banks under $100 billion sits at banks at or above 300% of capital, the 2006 interagency monitoring level: rank 21 of 43 states, against 25.0% nationally. 52.4% sits at banks at or above 200%. These are monitoring levels, not limits, and a bank above one is not in violation of anything.
Why don't national banks appear in this list?+
Banks with $100 billion or more in assets are left out of this page's tables and ranks, as on the national page: the largest banks' balance sheets are national, so their headquarters state says little about where they lend. None is headquartered in Oklahoma. Every bank here is listed by headquarters state, not by where its loans are.
How often is this updated?+
Every quarter, after banks file their Call Reports. This Oklahoma page reflects the 171 Oklahoma banks' June 30, 2026 (Q2 2026) filings, retrieved October 12, 2026; Q3 2026 data is expected in December 2026.
What this table is not. Concentration ratios are computed from each Oklahoma bank's own public regulatory filings and describe portfolio composition relative to capital — nothing here is a statement about any institution's safety, soundness, or condition, and exceeding a supervisory monitoring criterion is neither a violation nor a supervisory finding. Blue Sky Capital Advisors is a commercial mortgage advisory firm, not a bank rating agency.