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One Williams Center
Tulsa, OK 74172

Bank of Texas. National Association is headquartered in Tulsa and is the largest bank in the state of Oklahoma. It is also the 54th largest bank in the nation. It was established in 1910 and as of March of 2014, it had grown to 4,366 employees at 170 locations. Bank of Texas. National Association has a B+ health rating.

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Overdraft Fees

Banks clear at the end of the day all the checks that arrive at your account during the day.  This bank's policy results in maximizing overdraft fees in that it clears the checks starting from the largest to the smallest. In this way, if the first, large check, empties the account, all the remaining checks have overdraft fees. Clearing checks in the reverse order might result in only the largest check having an overdraft fee. This policy is not illegal but it does take advantage of the bank's customer.

Worst Experiences With A Bank I've Ever Had.

It seems that the mission of Bank of Texas is to create the most unenjoyable experience for the customer. When my business changed names, I had the bank change the name on the account. Unfortunately, sometimes the change shows up in the system and sometimes it does not. Cashiers at the branch closest to me are slow, very slow. And checks take much longer to clear at Bank of Texas than at the bank I have a personal account with. On top of this, there are no convenient locations.


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Bank of Texas. National Association had $195.49 million in non-current loans and owned real-estate with $2.58 billion in equity and loan loss allowances on hand to cover it. This gives Bank of Texas. National Association a Texas Ratio of 7.59% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Bank of Texas. National Association experienced no significant changes from 8.32% as of March 31, 2013 to 7.59% as of March 31, 2014, resulting in a positive change of 8.79%.This indicates that the balance sheet and financial strength for Bank of Texas. National Association has had no significant changes in recent periods.

Deposit Growth


In the past year, Bank of Texas. National Association has increased its total deposits by $672.66 million, resulting in 3.31% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Bank of Texas. National Association has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Bank of Texas. National Association has $27.16 billion in assets with $2.58 billion in equity, resulting in a capitalization level of 9.48%, which is average.

Institution Statistics

FDIC Certificate #4214
Year Established1910
Primary RegulatorOCC
Assets and Liabilities
Assets$27.16 billion
Loans$13.09 billion
Deposits$20.97 billion
Equity Capital$2.39 billion
Loan Loss Allowance$185.32 million
Unbacked Noncurrent Loans$101.29 million
Real Estate Owned$94.20 million
Historic Data - March 2013
Assets$27.18 billion
Equity Capital$2.42 billion
Loan Loss Allowance$205.97 million
Unbacked Noncurrent Loans$101.29 million
Real Estate Owned$101.54 million
Profit Margin - Quarterly
Net Interest Margin2.65%
Return on Assets1.17%
Return on Equity13.53%
Interest Income$178.62 million

Always verify rates and promotions with the bank or credit union. We are not Bank of Texas. National Association, we are a rate comparison website and can not provide official rates or promotions.

Bank of Texas. National Association Savings Account Rates

0.03%--Personal Savings 2.0

Bank of Texas. National Association Money Market Rates

0.15%$50k-Premier Money Market
0.15%$50k-Premier Money Market IRA
0.15%$50k-Premier Money Market Roth IRA

Bank of Texas. National Association Checking Account Rates

0.01%--Advantage Checking
0.01%--Advantage 55 Checking

Bank of Texas. National Association CD Rates

1.30%$100k-7 Year Fixed CD
0.80%$100k-5 Year Fixed CD
0.50%$100k-4 Year Fixed CD
0.40%$100k-3 Year Fixed CD
0.35%$100k-30 Month Fixed CD
0.30%$100k-2 Year Fixed CD
0.25%$100k-18 Month Fixed CD
0.20%$100k-1 Year Fixed CD
0.18%$100k-270 Day Fixed CD
0.15%$100k-120 Day Fixed CD
0.15%$100k-180 Day Fixed CD
0.10%$100k-60 Day Fixed CD
0.10%$100k-90 Day Fixed CD
0.08%$100k-7 Day Fixed CD
0.08%$100k-30 Day Fixed CD

Bank of Texas. National Association IRA Rates

1.25%--7 Year IRA CD
0.75%--5 Year IRA CD
0.45%--4 Year IRA CD
0.35%--3 Year IRA CD
0.30%--30 Month IRA CD
0.25%--2 Year IRA CD
0.20%--18 Month IRA CD
0.15%--1 Year IRA CD
0.10%--6 Month IRA CD

Bank of Texas. National Association has 46 locations. Click to view all Bank of Texas. National Association locations.