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Kirkpatrick Bank is a privately owned bank serving Oklahoma, Colorado, and surrounding markets with checking, savings, mortgages, and business banking solutions.
Data compiled from public sources
Kirkpatrick Bank is a privately owned financial institution celebrating its 55th anniversary in 2025. The bank operates in Oklahoma, Colorado, and surrounding regional markets, positioning itself as a community-focused alternative to larger national banks. The company emphasizes personalized service and direct relationships with customers and business clients.
The bank offers a comprehensive range of personal and commercial banking products. Personal services include Simply Free Checking (with $50 minimum opening deposit and no monthly maintenance fee), savings accounts with rate claims to verify, mortgage financing (including conventional, FHA, VA, and investment property loans), and digital payment solutions through Zelle partnerships and newly launched digital wallets. " The institution also offers online and mobile banking available 24/7.
Kirkpatrick Bank distinguishes itself through a privately owned structure, regional focus, and emphasis on personalized lending solutions. The bank highlights its mortgage team's ability to deliver customized solutions for primary residences, vacation properties, and investment opportunities. Leadership changes, such as the recent appointment of Todd Glass as EVP Head of Lending for Oklahoma, suggest active expansion of lending capabilities.
The bank also demonstrates proactive fraud awareness through educational materials and anti-fraud protocols. While Kirkpatrick Bank offers standard banking services with competitive features like no-fee checking accounts, the website lacks detailed information about interest rates, CD terms, business loan specifics, or comprehensive product comparisons. Regional limitation to Oklahoma and Colorado may restrict accessibility for consumers in other areas.
The FAQs section appears incomplete with placeholder text rather than substantive answers. Overall, Kirkpatrick Bank appears to be a solid regional banking option for customers seeking personalized service and community-oriented banking in its service areas.
This is state-level context for Banks consumers in Edmond, OK. It does not confirm that Kirkpatrick Bank 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.
Kirkpatrick Bank processed 114 mortgage applications in 2023, with 93.9% recorded as approved across 2 states.
114
Applications
93.9%
Approval Rate
$556K
Avg Loan
2
States Served
Based on 114 applications. Income in thousands (reported by applicant).
Source: CFPB Home Mortgage Disclosure Act (HMDA) Data, 2023. Applications include originated, approved, and denied loans.
Kirkpatrick Bank offers 12 services including Simply Free Checking accounts with no maintenance fees, Savings accounts with competitive rates, Conventional mortgage loans for primary residences, FHA mortgage financing, VA mortgage loans, and 7 more.
Kirkpatrick Bank has profile signals associated with Oklahoma and Colorado residents seeking personalized community banking with no-fee checking, Small business owners wanting relationship-based lending rather than automated underwriting, Home buyers seeking customized mortgage solutions including VA and FHA options, Consumers prioritizing local bank ownership and regional financial institution support.
Key strengths: Simply Free Checking with no monthly maintenance fee and only $50 minimum opening deposit; 24/7 online and mobile banking access; Zelle integration for fast peer-to-peer money transfers. Areas to consider: Geographic limitation to Oklahoma, Colorado, and surrounding markets only—not available nationwide; Website FAQ section contains incomplete placeholder text rather than actual customer answers.
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.
CreditDoc Profile Note
Kirkpatrick Bank is profile signals for Oklahoma and Colorado residents seeking personalized community banking with competitive checking products and customized mortgage solutions. The main caveat is geographic limitation to two states and incomplete online information, requiring direct contact for specific rates, terms, and business lending details.
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.
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 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.
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
Oklahoma-based community bank offering personal and commercial checking, savings, CDs, IRAs, loans, and trust services since 1971.
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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