Great Plains National Bank
Elk City, Oklahoma, Beckham County
$1.9B in total assets, the 635th largest of 4,309 US banks and 13th of 171 headquartered in Oklahoma.
- FDIC certificate
- 34207
- Established
- 1996
- Owned by
- Great Plains Bancshares Inc
- Primary regulator
- OCC
- Website
- https://www.gpbankok.com.
At a glance
Compared with 20 banks headquartered in Oklahoma with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $1.9B | 60% | $1.6B | |
| Loans | $1.7B | 70% | $1.2B | |
| Deposits | $1.7B | 70% | $1.2B | |
| Return on assets | 1.83% | 65% | 1.38% | |
| Net interest margin | 5.35% | 98% | 3.91% | |
| Efficiency ratio | 65.3% | 70% | 59.5% | |
| Equity to assets | 10.03% | 45% | 10.43% | |
| Loans to deposits | 97% | 65% | 94% |
Growth
Total assets grew 13.7% a year over the last 5 years and 13.5% a year over 10 years, including 2 acquisitions in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Dec 2022 | Providence Bank of Texas, ssb Southlake, TX | $193M |
| May 2018 | Liberty FSB Enid, OK | $75M |
| Jul 1996 | The First National Bank of Mangum Mangum, OK, an affiliate under the same holding company | $29M |
| Jul 1996 | First State Bank and Trust Company Hollis, OK, an affiliate under the same holding company | $77M |
Where they operate
24 branches in 18 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Beckham County, OK | $353M | 34.2% | 1 of 6 |
| Tarrant County, TX | $244M | 0.4% | 32 of 74 |
| Canadian County, OK | $202M | 6.7% | 6 of 18 |
| Oklahoma County, OK | $107M | 0.2% | 40 of 60 |
| Woodward County, OK | $98M | 10.0% | 4 of 8 |
| Garfield County, OK | $95M | 1.6% | 6 of 14 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 10 branches since 2016 (14 to 24, +71.4%). 13 opened, 6 acquired, 9 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 14 | |||
| 2017 | Opened Moore and Oklahoma City | 2 | 0 | +2 | 16 |
| 2018 | Acquired Liberty FSBOpened El Reno | 5 | 0 | +5 | 21 |
| 2019 | Opened Oklahoma CityClosed Burns Flat and Granite | 1 | 2 | −1 | 20 |
| 2020 | Opened 3 in 2 statesClosed Elk City and Moore | 3 | 2 | +1 | 21 |
| 2022 | Acquired Providence Bank of Texas, ssbOpened Edmond and Yukon, closed 3 in Oklahoma | 4 | 3 | +1 | 22 |
| 2023 | Opened Enid and WeatherfordClosed Enid | 2 | 1 | +1 | 23 |
| 2024 | Opened Sherman | 1 | 0 | +1 | 24 |
| 2025 | Opened ShermanClosed Sherman | 1 | 1 | 0 | 24 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 24% | 37% | |
| Business (C&I) | 23% | 17% | |
| 1-4 family residential | 22% | 19% | |
| Construction and land | 12% | 12% | |
| Agricultural | 6% | 2% | |
| Farmland | 6% | 2% | |
| Multifamily | 4% | 3% | |
| Consumer | 3% | 5% | |
| Other | 0% | 3% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 42% | 51% | |
| Time deposits | 39% | 23% | |
| Noninterest-bearing | 19% | 26% |
Brokered deposits are 0.0% of deposits (peers 7.8%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 1.32% | 0.55% |
| Net charge-offs, annualized | 0.38% | 0.01% |
| Reserves to loans | 1.17% | 1.19% |
| Leverage ratio | 9.42% | 10.36% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Oklahoma
Largest competitors in Beckham County, OK
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/great-plains-national-bank-elk-city-ok