Regional Oklahoma bank offering personal and business banking services across Tulsa, Sapulpa, and Bristow with over 100 years of community banking history.
Editorially reviewed by Harvey Brooks
SpiritBank traces its roots to May 16, 1916, when American National Bank was founded in Bristow, Oklahoma by eight local businessmen shortly after Oklahoma's statehood. The bank developed its distinctive "family" atmosphere in the 1930s under Albert Kelly's leadership, establishing what the Kelly family termed the "ministry of banking"—a philosophy focused on fulfilling community needs and dreams. Over the past century, the institution has grown significantly while maintaining family ownership three generations later and expanding its footprint across Oklahoma.
SpiritBank provides a comprehensive suite of banking products for both individuals and businesses, including personal checking and savings accounts, business banking and treasury management services, commercial and small business loans, and robust online and mobile banking platforms. Customers can access their accounts anywhere through desktop, mobile app, or in-person at physical locations in Tulsa, Sapulpa, and Bristow. The bank emphasizes security and fraud prevention, with explicit policies never requesting Online Banking credentials, passwords, or one-time passcodes from customers.
What distinguishes SpiritBank is its deep community integration and statewide focus on economic development initiatives. The bank positions itself as a leader in championing economic development and incentive programs that create jobs and attract companies to Oklahoma. The Kelly family's continued involvement and the bank's century-long presence in Oklahoma communities reflect a genuine commitment to local relationships rather than transactional banking.
SpiritBank is best suited for individuals and businesses seeking relationship-based banking with a community focus. However, as a regional bank serving primarily Oklahoma, it may have limited convenience for out-of-state customers. The website provides basic service information but lacks detailed product specifications, fee schedules, or interest rate transparency that some consumers require for informed decision-making.
Yes. Spiritbank is a registered company headquartered in Tulsa, OK, founded in 1916. They hold a rating with the Better Business Bureau.
Account opening typically takes 1-3 business days. Loan decisions vary by product.
CreditDoc Diagnosis
SpiritBank is best for Oklahoma residents and businesses seeking stable, community-focused banking from a family-owned regional institution with over a century of local presence. The primary caveat is geographic limitation to Oklahoma service areas and lack of transparent pricing/rate information online, requiring direct contact for detailed product and fee comparisons.
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