• Save time, improve cash flow and more—with Remote Deposit Capture

    Donovan Reed, EVP – Chief Lending Officer

    In 2004, the Check Clearing for the 21st Century Act (Check 21 Act) went into effect, creating a new negotiable instrument called a “substitute check” that can be processed just like an original check—only much faster. 

    » Read More
  • Millennials: No matter what, keep saving.

    Mel Barnes, SVP  Chief Operations Officer

    Millennials—those born from the early 1980s to the late 1990s—are more educated and technologically advanced than any previous generation. Why, then, do 35% of millennials (Americans aged 21 to 37) still live at home with their parents? And why are more than half still relying on their parents for financial assistance? » Read More
  • Checking is getting a lot more interesting.

    Mel Barnes, SVP  Chief Operations Officer

    Savings and checking accounts used to be two distinct worlds. Savings accounts were exclusively for earning interest over the long term and were tapped only for emergencies or big-ticket purchases—the proverbial “nest egg”—while checking accounts were primarily used for paying bills or making everyday purchases, and never earned interest.

    » Read More
  • Jim Canton Joins Oklahoma State Bank as President, Chief Credit Officer

    Jim Canton has joined Oklahoma State Bank (OSB) as president and chief credit officer. The native of Joplin, Mo., has been in the banking industry for 39 years, primarily in the Edmond and Oklahoma City markets, and most recently served as president of Bank SNB in Edmond.

    » Read More
  • Build Your Credit Score

    Mel Barnes, SVP  Chief Operations Officer


    Building credit can be a conundrum: How do you get a good credit card without a good credit score? If you are starting from scratch, it can be difficult to know where to start. If you already have a low score, raising it can take some time and money-conscious decisions. The good news? You don’t need a lot of money to have a good credit score. » Read More
  • Protect your small business by instituting internal controls — Part 2

    Donovan Reed, EVP – Chief Lending Officer

    We are continuing our suggestions for improving internal controls at your small business with tips four through eight, below. Continue reading from part 1 to read additional measures your small business can take to guard against internal and external predators. » Read More
  • Protect your small business by instituting internal controls — Part 1

    Donovan Reed, EVP – Chief Lending Officer

    There are small businesses everywhere, right now, getting scammed by a phony vendor, having money or property stolen by an employee, or suffering other financial setbacks that could have been avoided with the right internal controls in place. » Read More
  • Jeff Odom Joins Oklahoma State Bank as Vice President

    Jeff Odom, a 16-year veteran of the Oklahoma banking industry, has joined Oklahoma State Bank (OSB) as vice president and commercial relationship manager. » Read More
  • OSB's Bart Byrns' inspirational run

    When Bart decided he wanted to start running, he began with the Couch-to-5K program, worked his way up to his first half marathon. This is Bart’s seventh year to participate... » Read More
  • Benefits of an IRA CD

    Mel Barnes, SVP – Chief Operations Officer

    When most people think of IRA accounts, they think of money invested in stocks and bonds. And, while offsetting your immediate tax burden may be attractive, as you get older, the riskiness of the market is less appealing. With OSB, get the best of both worlds—the potential to offset your immediate tax burden while also investing in a Certificate of Deposit. 

    » Read More
  • Overcome cash flow challenges with Oklahoma State Bank

    Donovan Reed, EVP – Chief Lending Officer

    Maintaining a healthy cash flow for a small business can be tough. Learn how you can turn accounts receivable into financing for your business to improve cash flow.  » Read More
  • How to prepare your kids to be financially independent

    Mel Barnes, SVP – Chief Operations Officer

    Every parent wants their kids to be knowledgeable about finances, but teaching them can be difficult. Here are a few suggestions to help you prepare your children for their future.

    » Read More
  • How to grow your small business for (almost) no money

    Donovan Reed, EVP – Chief Lending Officer

    You spent a lot of money starting your business, so let us show you how to make it grow without spending a whole lot more.  » Read More
  • Congratulations to our first Mastercard Priceless Surprises winner!

    Congratulations to Shelley Fristoe for winning $500 and being our first Mastercard® Priceless Surprises winner! Continue using your OSB Mastercard for purchases of $10 or more to enter for the chance to be surprised!  

    » Read More
  • Developing a Business Plan

    Donovan Reed, EVP – Chief Lending Officer

    To start a new business or obtain additional capital through an investor or loan, you need to develop a business plan. If you’ve never created a business plan, it may seem like a daunting task. But it is an important step to ensure that you have thought through all the details concerning your business. » Read More
  • 6 Personal Finance Tips for a Stress-free Financial Life

    Mel Barnes, SVP – Chief Operations Officer

    "Personal finance" is the management of your money and financial decisions, including budgeting, investments and retirement planning. If you are getting ready to begin your professional career, now is the best time to become financially literate. Here are six steps to help you enjoy financial peace of mind for the rest of your life. » Read More
  • Take Your Small Business to the Next Level by Finding a Mentor

    Donovan Reed, EVP – Chief Lending Officer

    One thing that can separate successful and struggling small businesses is having a mentor. No matter what industry you’re in, having a mentor can improve your chance for success. You can find a mentor through personal connections or an online source. » Read More
  • Money Management in Your 30s

    Mel Barnes, SVP – Chief Operations Officer

    Your 30s is a great time to start looking beyond your immediate bills and financial needs, and look toward the future. Here are three ways to shift your financial focus as you move into your 30s. » Read More
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