Sooner State Bank logo

Sooner State Bank in Tuttle, OK

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Sooner State Bank is a community bank serving Oklahoma with multiple branches across the OKC metro and rural areas, offering personal and business banking services.

Data compiled from public sources

Sooner State Bank Review

Sooner State Bank operates as a traditional community bank with roots in Oklahoma, positioning itself as a local financial institution focused on personalized service. The bank emphasizes its long history in the state and commitment to serving both individual and business customers through multiple branch locations. Their service offerings include standard banking products such as checking and savings accounts, online banking access, debit cards, and ATM services across their branch network.

" The bank maintains 7 branch locations across Oklahoma including urban centers in Oklahoma City and Midwest City, as well as rural branches in Tuttle, Newcastle, Konawa, and Spencer. They emphasize their dedicated staff and the ability to exceed customer expectations through direct personal relationships. However, the website provides limited detail about specific product offerings, interest rates, fees, or competitive advantages.

The bank's digital presence is minimal—their website lacks detailed information about account types, minimum balances, fee structures, or comprehensive product documentation that consumers typically use to evaluate banking options.

Services & Features

ATM access at branch locations
Business banking services
Checking and savings accounts
Debit cards and ATM cards
Fraud prevention on credit and debit cards
Home loans and mortgage services
Lost and stolen debit card services
Mobile banking app
Online banking with username/password access
Phishing and online security awareness support
Wire transfers and fund transfers
eStatements for account management

Feature Checklist

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

Pros & Cons

Pros

  • 7 branch locations across Oklahoma including OKC metro and rural communities
  • Multiple ATM locations for cash access across their branch network
  • Online banking platform with eStatements access for account management
  • Mobile app available for customers
  • Home loan staff context available with dedicated phone line (405) 381-2326
  • Lost or stolen debit card hotline available 24/7 at 1-888-263-3370
  • Emphasis on personalized service and local community relationships

Cons

  • Website lacks detailed information about account types, fees, interest rates, and minimum balances
  • No pricing transparency or product comparison information available online
  • Limited information about business banking services and products
  • No mention of rate claims to verify, rewards programs, or promotional offerings
  • Website does not detail compliance certifications, FDIC insurance details, or financial strength indicators

State Consumer Finance Context

This is state-level context for Banks consumers in Tuttle, OK. It does not confirm that Sooner 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.

Mortgage Lending Transparency

Sooner State Bank processed 144 mortgage applications in 2023, with 98.6% recorded as approved across 1 states.

144

Applications

98.6%

Approval Rate

$156K

Avg Loan

1

States Served

Approval Rate by Applicant Income

Under $50K
100%
$50K–$100K
85.7%
$100K–$200K
100%
Over $200K
100%

Based on 144 applications. Income in thousands (reported by applicant).

States With Recorded Applications

Oklahoma 144 apps · 97.2%

Source: CFPB Home Mortgage Disclosure Act (HMDA) Data, 2023. Applications include originated, approved, and denied loans.

Frequently Asked Questions

What services does Sooner State Bank offer?

Sooner State Bank offers 12 services including Checking and savings accounts, Online banking with username/password access, eStatements for account management, Mobile banking app, ATM access at branch locations, and 7 more.

What profile signals are listed for Sooner State Bank?

Sooner State Bank has profile signals associated with Oklahoma residents seeking local banking relationships in OKC metro or rural areas, Home buyers in Oklahoma interested in personalized mortgage lending assistance, Consumers who prefer branch-based banking with in-person staff interaction, Businesses looking for community bank lending and deposit services.

What are the strengths and weaknesses of Sooner State Bank?

Key strengths: 7 branch locations across Oklahoma including OKC metro and rural communities; Multiple ATM locations for cash access across their branch network; Online banking platform with eStatements access for account management. Areas to consider: Website lacks detailed information about account types, fees, interest rates, and minimum balances; No pricing transparency or product comparison information available online.

How does Sooner 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
1903
Headquarters
Tuttle, OK
BBB Accredited
No
Certifications
FDIC Insured FDIC Cert #402
Visit Sooner State Bank

CreditDoc Profile Note

Research Note on Sooner State Bank

Sooner State Bank is profile signals for Oklahoma residents and businesses seeking traditional community banking with personal service and local branch access. The main caveat is that their website provides minimal transparency about products, pricing, and competitive terms, requiring customers to contact branches directly for account details and rate information.

Profile Signals

  • Oklahoma residents seeking local banking relationships in OKC metro or rural areas
  • Home buyers in Oklahoma interested in personalized mortgage lending assistance
  • Consumers who prefer branch-based banking with in-person staff interaction
  • Businesses looking for community bank lending and deposit services
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

  • Sooner State Bank is listed as a Banks provider in Tuttle, 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.
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