Oklahoma-based community bank offering personal and commercial checking, savings, CDs, IRAs, loans, and trust services since 1971.
Data compiled from public sources · Rating from CreditDoc methodology
K. Warren Sr. under the name American Bank of Tulsa.
The institution expanded its offerings in 1983 when it was granted trust powers and adopted its current name. The bank operates as a traditional community bank with a stated philosophy of providing personalized, one-on-one customer relationships rather than competing on scale. The bank offers a comprehensive suite of financial services across personal and commercial banking.
Personal customers can access checking and savings accounts, CDs and IRAs, and personal loans. Commercial clients have access to checking, savings, CDs, cash management services, trade finance, and commercial loans. Additional services include trust services, bill pay (both personal and commercial), telephone banking via touch-tone teller, ATM/check cards with Visa functionality, remote deposit capture, safe deposit boxes, cashiers checks, wire transfers, and coin counting services.
American Bank and Trust distinguishes itself through emphasis on personal relationships and community presence. The bank maintains multiple physical locations with posted hours, ATM networks accessible at over 400,000 worldwide locations via TransFund and CIRRUS networks, and dedicated customer service phone lines. Their remote deposit capture service allows business customers to deposit checks electronically from their offices.
As a regional community bank, American Bank and Trust is best suited for customers prioritizing local relationships and personalized service over digital-first banking. The institution appears to focus on Oklahoma-based customers given its Tulsa headquarters and website domain. Customers should note that the website copyright shows 2010, suggesting the online presence may not reflect current offerings or technology standards.
American Bank and Trust Company offers 18 services including Personal checking accounts, Personal savings accounts, Certificates of Deposit (CDs), Individual Retirement Accounts (IRAs), Personal loans, and 13 more.
American Bank and Trust Company is best suited for Oklahoma-based business owners seeking commercial banking and trade finance services, Customers who value in-person relationships and local community banking over digital convenience, Personal loan borrowers and savers who prefer working with a regional institution, Trust and estate planning clients needing dedicated trust services.
Key strengths: Multiple physical locations in Oklahoma with posted hours and personalized service model; Wide ATM access through 400,000+ worldwide locations via TransFund and CIRRUS networks; Remote deposit capture available for business customers to deposit checks electronically. Areas to consider: Website copyright dated 2010 suggests outdated digital presence and potentially legacy technology; No mention of mobile banking, mobile app, or modern digital-first features.
In the Banks category, comparable providers include All America Bank, All Capital Bank, American Exchange Bank. Each company has different strengths — compare services, pricing, and consumer complaint records to find the best fit.
CreditDoc Diagnosis
American Bank and Trust Company is best for Oklahoma-based customers—both personal and business—who prioritize personalized service and community relationships over cutting-edge digital banking. The main caveat is that this appears to be a traditional, brick-and-mortar regional bank with an outdated web presence; customers seeking modern mobile banking, fintech features, or national availability should look elsewhere.
Community bank serving Oklahoma since 1927, offering personal and business banking, lending, and deposit products with competitive rates and local relationship-based service.
Best for: Oklahoma residents seeking competitive deposit rates with local relationship banking, Small business owners and agricultural enterprises in Oklahoma needing relationship-based lending
All Capital Bank is a community-focused bank serving Locust Grove, OK since 1949, offering personal banking, business solutions, and loan products with emphasis on local community support.
Best for: Locust Grove, Oklahoma residents seeking community-oriented banking with local relationship focus, Small to medium-sized local businesses needing scalable banking and lending solutions
Community bank established in 1933 offering checking accounts, savings products, and various loan options with FDIC insurance protection and personal service.
Best for: Customers in small Oklahoma communities (Henryetta, Okfuskee County area) seeking personalized banking relationships, Homeowners interested in FHA Title I Home Improvement Loans for affordable home repairs
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