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8908 South Yale Avenue, Suite 100
Tulsa, OK 74137

ONB Bank and Trust Company is headquartered in Tulsa and is the 18st largest bank in the state of Oklahoma. It is also the 1,106th largest bank in the nation. It was established in 2000 and as of March of 2014, it had grown to 102 employees at 10 locations. ONB Bank and Trust Company has a B+ health rating.

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Reviews (3)


Very rarely does someone take the time to make a positive comment; all you ever hear are negative ones so I thought I would take a minute to share something positive!  ONB Bank has been great to me!  The people that work there are knowledgeable, helpful, nice, and are always smiling!  They even pay me interest on my checking account...who does that?  I recently had fraud on my account and they made it so easy for me to get that corrected!  I really appreciate my bank!

Double Charges - Inaccurate Postings

We have had nothing but problems since we opened our account at ONB as they have posted transactions multiple times, returned items then paid them. They have posted so many items on our account that I cannot even make sense of it.  Altogether they took us for over $300. Then I pulled $100 from the ATM and they posted $100 from the $100 and $100 for a cash withdrawal (WHICH NEVER OCCURED).  DO NOT TRUST THIS BANK.  If you have an account double check everything because they can be very creative.

Lien Release

I paid off a loan to ONB bank and left instructions as to where to forward the lien release.  ONB certainly cashed my check and utilized my funds to close out their loan with their consumer.  However, it took me numerous attempts, multitudes of calls and endless headaches to actually receive the lien release from them.  It EVEN took an unnecessary trip from MY consumer to the bank to pick up the lien release.  If you are paying off a loan to this institution, please prearrange a receipt of the lien release prior to giving them money.


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 ONB Bank and Trust Company had $14.68 million in non-current loans and owned real-estate with $138.57 million in equity and loan loss allowances on hand to cover it. This gives ONB Bank and Trust Company a Texas Ratio of 10.59% 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 ONB Bank and Trust Company decreased slightly from 13.26% as of March 31, 2013 to 10.59% as of March 31, 2014, resulting in a positive change of 20.12%.This indicates that the balance sheet and financial strength for ONB Bank and Trust Company has improved slightly in recent periods.

Deposit Growth


In the past year, ONB Bank and Trust Company has decreased its total deposits by -$2.23 million, resulting in -0.46% 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 ONB Bank and Trust Company has shown is average.



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. ONB Bank and Trust Company has $612.76 million in assets with $138.57 million in equity, resulting in a capitalization level of 22.62%, which is excellent.

Institution Statistics

FDIC Certificate #35348
Year Established2000
Primary RegulatorFED
Assets and Liabilities
Assets$612.76 million
Loans$479.22 million
Deposits$481.07 million
Equity Capital$127.78 million
Loan Loss Allowance$10.79 million
Unbacked Noncurrent Loans$8.62 million
Real Estate Owned$6.06 million
Historic Data - March 2013
Assets$615.22 million
Equity Capital$127.55 million
Loan Loss Allowance$10.93 million
Unbacked Noncurrent Loans$8.62 million
Real Estate Owned$11.06 million
Profit Margin - Quarterly
Net Interest Margin4.29%
Return on Assets0.99%
Return on Equity4.67%
Interest Income$6.11 million

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ONB Bank and Trust Company Locations
Owasso Branch12502 East 96th Street NorthOwasso, OK 74055
Edmond Branch1358 East 15thEdmond, OK 73013
Web Branch2116 Nelwood DriveColumbia, MO 65202
Southwest Boulevard Branch2420 Southwest BoulevardTulsa, OK 74107
Midtown Branch2424 East 21st Street, Suite 100Tulsa, OK 74114
South Tulsa Drive-Thru Branch4708 E 91st StreetTulsa, OK 74137
Sapulpa Branch615 S. MissionSapulpa, OK 74066
ONB Bank and Trust Company623 South Main StreetStillwater, OK 74074
ONB Bank and Trust Company8908 South Yale Avenue, Suite 100Tulsa, OK 74137
East 61st Street Branch9004 East 61st StreetTulsa, OK 74133