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FDIC-insured minority-owned bank in Oklahoma City offering personal and business banking, small business accounts, startup financing, and real estate investment loans.
Data compiled from public sources
First Security Bank And Trust Company is a minority-owned bank headquartered in Oklahoma City, Oklahoma, with over 50% minority ownership. The bank operates as an FDIC Minority Deposit Institution and has been active in the local community, particularly during the COVID-19 pandemic when it processed Paycheck Protection Program loans, with approximately 96% going to minority-owned businesses. The bank offers a range of consumer and business banking services including checking and savings accounts, online and mobile banking, VISA Platinum credit cards for personal and business use, small business banking solutions, startup and entrepreneur banking programs, and real estate investment loans.
Their real estate lending services, which include residential rental and "flip" loans, have reportedly led the Oklahoma City market for a decade. The bank also provides free personal and business financial consultations to help clients with financial planning and guidance. First Security Bank distinguishes itself through its deep commitment to minority-owned business support and community involvement.
The bank actively promotes itself as a trusted financial advocate that understands the specific needs of entrepreneurs, small business owners, and minority business communities. Their website prominently features customer success stories and emphasizes their role in strengthening the Oklahoma City community through financial support and partnership. As a traditional bank, First Security offers standard banking services and products rather than specialized consumer finance solutions.
Prospective customers should note that specific product details, current rates, and fee structures are not provided on the website. The bank's primary market appears to be small business owners, entrepreneurs, and real estate investors in the Oklahoma City area, though they serve personal banking customers as well.
This is state-level context for Banks consumers in Oklahoma City, OK. It does not confirm that First Security Bank and Trust Company or this specific location is licensed.
State regulator
Oklahoma Department of Consumer Credit
Consumer protection
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
First Security Bank and Trust Company processed 197 mortgage applications in 2023, approving 99% of applicants across 1 states.
197
Applications
99%
Approval Rate
$114K
Avg Loan
1
States Served
Based on 197 applications. Income in thousands (reported by applicant).
Source: CFPB Home Mortgage Disclosure Act (HMDA) Data, 2023. Applications include originated, approved, and denied loans.
First Security Bank and Trust Company offers 12 services including Personal checking and savings accounts, Business checking and savings accounts, Online banking platform, Mobile banking application, VISA Platinum credit cards (personal), and 7 more.
First Security Bank and Trust Company is best suited for Minority-owned small business owners and entrepreneurs seeking banking services from a like-minded financial institution, Real estate investors focused on residential rental properties and fix-and-flip projects in the Oklahoma City market, Oklahoma City-based startups and new business owners seeking personalized banking relationships and consultation, Customers specifically seeking to bank with an FDIC-insured institution with demonstrated commitment to minority business support.
Key strengths: FDIC Minority Deposit Institution with over 50% minority ownership, providing financial support specifically directed to underserved communities; Specializes in real estate investment loans including residential rental and flip loans, with a decade of market leadership in Oklahoma City; Dedicated startup and entrepreneur banking services designed to meet the specific needs of business owners. Areas to consider: Limited geographic presence with only one listed branch location in Oklahoma City, restricting accessibility for non-local customers; Website lacks specific information about current interest rates, fees, minimum deposit requirements, and other key product details.
In the Banks category, comparable providers include All America Bank, All Capital Bank, American Bank and Trust Company. Each company has different strengths — compare services, pricing, and consumer complaint records to find the best fit.
CreditDoc Diagnosis
First Security Bank is best for minority-owned or minority-focused small business owners and real estate investors in the Oklahoma City area seeking personalized banking from an institution committed to their community. The main caveat is that they appear to be a single-location community bank with limited geographic reach, and detailed product specifications, rates, and terms are not publicly available on their website, requiring direct contact for specific pricing and eligibility information.
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
Oklahoma-based community bank offering personal and commercial checking, savings, CDs, IRAs, loans, and trust services since 1971.
Best 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
Answer 3 quick questions to see if this provider matches your needs.
1. What's your primary financial goal?
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