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First State Bank in Tahlequah, OK

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Tahlequah, OK's First State Bank branch at 1111 S Muskogee Ave offers in-person banking services to local residents.

Data compiled from public sources

First State Bank Review

First State Bank's Tahlequah location is situated at 1111 S Muskogee Ave in the heart of Tahlequah, OK. This community bank branch serves residents and businesses with in-person banking services, providing direct access to tellers and banking professionals. The branch is staffed to handle account inquiries, deposits, withdrawals, and financial consultations for Tahlequah customers.

The Tahlequah branch offers core banking services including deposit accounts, savings products, account opening, and personalized financial consultations. Customers can discuss checking and savings options, loan products, and other banking solutions tailored to their needs. Contact the branch directly to confirm current hours and service availability.

When visiting First State Bank in Tahlequah, bring a valid government ID for account transactions. This branch is profiled for residents who prefer face-to-face banking over online services. The Tahlequah location emphasizes personalized service and community relationships.

Services & Features

Business checking accounts (small business, commercial, non-profit)
Business savings and money market accounts
Certificates of Deposit (CDs) and CDARS products
Commercial loans and commercial real estate loans
Digital banking, mobile check deposit, Zelle, and online account opening
Farm and ranch loans with working capital lines
Home loans and mortgage financing (Rocket Mortgage-powered)
Individual Retirement Accounts (IRAs)
Personal checking accounts (Kasasa Cash, Tiger Club, Interest NOW, Freedom 55, Carefree, College, Teen)
Personal loans and auto loans
Personal savings and money market accounts
Small business loans including SBA and USDA B&I loans

Feature Checklist

Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection

Pros & Cons

Pros

  • FDIC-insured deposits backed by U.S. Government full faith and credit
  • High-yield savings options through Kasasa products (6.00% APY on qualifying deposits up to $20,000)
  • Comprehensive loan suite including listed agriculture, SBA, and USDA B&I lending
  • Family-owned community bank with headquarters in Tahlequah, emphasizing local decision-making
  • Multiple account types designed for specific customer segments (teen accounts, college accounts, non-profit checking)
  • Digital banking tools including mobile check deposit, Zelle, and online account opening
  • Instant-issue debit cards available through local branches
  • Mortgage loans powered by Rocket Mortgage for streamlined home financing

Cons

  • Limited geographic service area (appears to be primarily Oklahoma-based, specifically Tahlequah/Cherokee County region)
  • Most loan rates and terms not disclosed online; requires direct inquiry or branch visit
  • Website content suggests more traditional banking model with potentially fewer advanced digital features compared to national banks or fintech competitors
  • Limited information about business service fees, monthly maintenance costs, or minimum balance requirements

State Consumer Finance Context

This is state-level context for Banks consumers in Tahlequah, OK. It does not confirm that First State Bank or this specific location is licensed.

State regulator

Oklahoma Department of Consumer Credit

Key state rules to check

  • Payday loans (deferred deposit lending) capped at $500 with tiered fees: $15 per $100 on first $300, $10 per $100 on balance.
  • Maximum loan term is 12-45 days.
  • Borrowers may not have more than two outstanding payday loans at once.

Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.

Frequently Asked Questions

What services does First State Bank offer?

First State Bank offers 12 services including Personal checking accounts (Kasasa Cash, Tiger Club, Interest NOW, Freedom 55, Carefree, College, Teen), Personal savings and money market accounts, Certificates of Deposit (CDs) and CDARS products, Individual Retirement Accounts (IRAs), Business checking accounts (small business, commercial, non-profit), and 7 more.

What profile signals are listed for First State Bank?

First State Bank has profile signals associated with Oklahoma residents seeking FDIC-insured community banking with personalized local service, Farmers, ranchers, and agricultural businesses needing listed farm and ranch lending, Small business owners seeking SBA and USDA lending options with local relationship banking, Homebuyers in the Tahlequah/Cherokee County area wanting pre-approval and local mortgage processing.

What are the strengths and weaknesses of First State Bank?

Key strengths: FDIC-insured deposits backed by U.S. Government full faith and credit; High-yield savings options through Kasasa products (6.00% APY on qualifying deposits up to $20,000); Comprehensive loan suite including listed agriculture, SBA, and USDA B&I lending. Areas to consider: Limited geographic service area (appears to be primarily Oklahoma-based, specifically Tahlequah/Cherokee County region); Most loan rates and terms not disclosed online; requires direct inquiry or branch visit.

How does First State Bank compare to similar companies?

In the Banks category, comparable providers include All America Bank, All Capital Bank, American Bank and Trust Company. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.

Quick Facts

Founded
1977
Headquarters
Tahlequah, OK
BBB Accredited
No
Certifications
FDIC Insured FDIC Cert #22448
Visit First State Bank

CreditDoc Profile Note

Research Note on First State Bank

First State Bank is profile signals for Oklahoma residents and businesses seeking FDIC-insured community banking with personalized local service, particularly those needing listed agricultural lending or SBA financing. The main caveat is geographic limitation to the Tahlequah/Oklahoma region and the need for direct contact to obtain current rates and specific loan terms not published online.

Profile Signals

  • Oklahoma residents seeking FDIC-insured community banking with personalized local service
  • Farmers, ranchers, and agricultural businesses needing listed farm and ranch lending
  • Small business owners seeking SBA and USDA lending options with local relationship banking
  • Homebuyers in the Tahlequah/Cherokee County area wanting pre-approval and local mortgage processing
Updated 2026-05-08

Similar Companies

All America Bank logo

All America Bank

Community bank serving Oklahoma since 1927, offering personal and business banking, lending, and deposit products with rate claims to verify and local relationship-based service.

BBB: NR

Profile signals: 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 logo

All Capital Bank

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.

BBB: NR

Profile signals: Locust Grove, Oklahoma residents seeking community-oriented banking with local relationship focus, Small to medium-sized local businesses needing scalable banking and lending solutions

American Bank and Trust Company logo

American Bank and Trust Company

Oklahoma-based community bank offering personal and commercial checking, savings, CDs, IRAs, loans, and trust services since 1971.

BBB: NR

Profile signals: Oklahoma-based business owners seeking commercial banking and trade finance services, Customers who value in-person relationships and local community banking over digital convenience

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Quick Summary

  • First State Bank is listed as a Banks provider in Tahlequah, OK on CreditDoc.
  • Use this page to check contact details, location, listed services, review signals, FAQs, and similar providers before deciding what to do next.
  • If you need a loan, account, installment option, credit help, or debt support, start with the fit quiz and compare alternatives before contacting a provider.
  • For broader context, continue into the free Credit Fundamentals course or a relevant financial wellness guide.

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