Oklahoma Capital Bank

Oklahoma Capital Bank was founded in 1963 as First National Bank of Turley by John A. Smith and a group of investors who identified a need for local banking in Turley, Oklahoma, an unincorporated township in northern Tulsa County. The bank operated under its original name for 28 years before transitioning to a state charter in 1991 and renaming itself First Bank of Turley. The institution has since evolved into Oklahoma Capital Bank, maintaining its community-focused mission across multiple locations in the Tulsa area.

The bank offers retail and business banking services including checking accounts (notably their Impact Checking product that supports charitable causes), online and mobile banking available 24/7, and business fraud prevention resources. They provide account access through both digital channels and physical branch locations, including self-service coin counters at their north Tulsa and Skiatook branches. The bank maintains separate online banking portals for retail and business customers, with business customers receiving token-based security for enhanced protection.

Oklahoma Capital Bank distinguishes itself through its emphasis on relationship banking, positioning itself as a community-focused institution where customers are "more than a number." Their tagline, "Banking that Builds Relationships," reflects their local orientation. They actively address current security threats, providing clear guidance to customers about fraud prevention and scam awareness, demonstrating responsiveness to contemporary threats like spoofed phone calls impersonating their fraud department.

As a community bank, Oklahoma Capital Bank serves a regional market rather than offering the extensive product range of national banks. While they provide essential banking services and maintain FDIC insurance backing, the website provides limited detail about specific loan products, interest rates, or fee structures. Their product offerings appear more basic than those of larger institutions, though their local presence and relationship-focused approach may appeal to customers prioritizing personalized service over breadth of options. Many banks offer installment loans with fixed monthly payments, giving borrowers a clear payoff timeline.