Thoroughbred Banking at its best!

Native American

Lending Programs

Tribes have many financial needs serving their people.
Oklahoma State Bank can help.

  • Construction Lending
  • Real Estate Lending
  • Equipment Leasing
  • Health Care Lending
  • Credit Builder Loans


We believe Small Business is the strength and heart of this land.
Our lending expertise can assist your business in all your lending needs.


A few key areas of lending we specialize in are:

  • Cash Flow
  • Capital
  • Equipment
  • Automobile
  • Real Estate
  • Farming
  • Commercial


Let Oklahoma State Bank help you achieve home ownership


Home mortgages are easy to obtain with our Native American Section 184 program.
Citizens from federally recognized tribes can receive special financing on their homes.

Loan Program facts include:

  • 30 year fixed interest rates available
  • Doublewide and modular homes
  • Refinancing mortgage available
  • New Construction
  • No Monthly Mortgage Insurance
  • Gifts and tribal assistance are permitted
  • Home can be on or off the reservation
    (within approved areas)


Credit Card Processing

Increase your bottom line by accepting MasterCard/MasterCard/Discover, in your business.

  • OSB offers low rates on merchant card processing
  • 24-Hour helpline
  • Availability of funds deposited next business day


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CDARS – Money Management

Protect your money!

  • FDIC Protection
  • Multi-Million Dollar CDs
  • Terms vary from 4 weeks to 5 years
  • Protect your investment with competitive interest rates
  • Network with Community
  • Development Financial Institutions (CDFI) that service Economically Challenged Areas



Health Savings Accounts

Drive down the cost of healthcare. Help you and your employees with healthcare expenses.

  • Direct access to your funds
  • Increase your tax advantage
  • Earn interest
  • Keep medical expenses under control
  • Unused funds roll-over year after year


Access your money your way with Oklahoma State Bank’s elite services

  • Online Banking
  • Online Bill Pay
  • Debit Cards
  • Mobile Banking
  • Direct Deposit
  • Unlimited Debit Cards
  • Auto-Payment Collection
  • 24/7 Telephone Banking


Payroll Cards

  • A great benefit for your employees, a big time & money saver for you!
  • Streamline payroll processing
  • On-line & Mobile access
  • Lower the cost of payroll (up to $223
  • per employee per year)*
  • MasterCard Payroll Cards
  • Convenient customization will allow your company to place your logo right on the card

View our site for more information –