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COVID-19 Updates

Update Posted: 4/21/2020

Re: Second round of coronavirus-financing by federal government

Oklahoma Heritage Bank (“OHB”) was designated as a Small Business Administration Lender by the federal government and assisted numerous small businesses in our communities in applying for loans in the $349 billion Paycheck Protection Program (“PPP 1.0”) released on April 3. Congress provided these largely forgivable loans to small businesses to pay the payroll costs of employees during the COVID-19 crisis as well as to pay mortgage interest, rent, and utility expenses. PPP 1.0 ran out of funding April 16, less than two weeks after the $349 billion program was rolled out.

This week Congress is expected to send a second round of up to $460 billion in coronavirus financing to the White House for expected signing by the President. This new and additional loan money (“PPP 2.0”) will be for small businesses, nonprofit organizations, churches, hospitals, and affiliates of large companies. It is thought likely that sole proprietors and independent contractors will also be eligible in the final version of PPP 2.0.

As with the first round of financing, intense competition among qualified borrowers will favor those businesses and individuals that submit applications early in the process. If you think that you or your business might qualify for PPP 2.0, give us a call so that we can help with the application process.

OHB has always been dedicated to person-to-person banking service, and in these troubled times we are actively reaching out to our friends and to others we have yet to meet. OHB wants to help in dealing with the financial difficulties that the coronavirus pandemic has inflicted on each of us, on our families, on our businesses and professions, and on our great state. Perhaps we can be of assistance to you and your family and your business.

We wish you and your family the best. Stay well and safe.

Chance Branscum
Chief Credit Officer
(580) 272-4015 (cell)

David Keith
Chief Executive Officer
(580) 421-3011 (cell)

Update Posted: 4/17/2020

Oklahoma Heritage Bank's 'WHY' in the Time of the Coronavirus

Before any of us at Oklahoma Heritage Bank (OHB) had ever heard the word coronavirus, we were learning in our management-planning meetings about a movement that best-selling author and optimist Simon Sinek started in 2009 to help people become more inspired at work, and in turn inspire their colleagues and customers.

Sinek has brought his inspirational message to millions and consistently emphasizes the way that great leaders inspire others by putting the 'Why' (the purpose) before the 'How' (the process), or the 'What' (the product). He illustrates his concept with the Golden Circle of three concentric circles, the center being the 'Why', with the other two outer circles being the 'How' and 'What'.

After a management meeting focused on Sinek's principles, Sr. VP Chance Branscum summarized our consensus about 'Why'. He said, "OHB's mission is to go beyond our customer's 'What' and 'How' to understand their 'Why' and their basic purpose. In so doing, we grow our knowledge of what our customers need and how we can help. If we focus on this, our relationship with our customers grows to the point that they become our friends and neighbors."

Since the coronavirus emerged, everyone's lives have changed in countless ways, but our futures remain shared as together we ponder more than ever the 'Why' in each of our lives. Indeed, President John Kennedy's 1963 commencement address foreshadows the reach of today's pandemic. He said, "In the final analysis, our most basic common link is that we all inhabit this small planet. We all breathe the same air. We all cherish our children's future. And we are all mortal."

The coronavirus reminds us each day that we are mortals in this world together, but we are not alone. We are here. Call on us.


David Keith
Chief Executive Officer
Oklahoma Heritage Bank

Update Posted: 3/25/2020

Beginning Thursday, March 26, 2020

Because of our concerns for the health and safety of our employees and customers, Oklahoma Heritage Bank (“OHB”) is making some temporary operational adjustments to ensure a healthy bank environment. Please note the following branch changes:

  • We will be closing all Oklahoma Heritage Bank lobbies, and only permitting customer access by appointment.
  • Our drive-thru will remain open during normal business hours.

Other than these changes, OHB remains open to serve our customers during this time of uncertainty. OHB will be fully staffed and capable to serve you via phone, email, and drive-thru or by appointment. If you wish to meet with a banker or conduct in-person transactions, please call your local branch at 580-456-7708 to set up an appointment.

As always, you can utilize our online and mobile banking services. If you have not signed up for online banking, you can enroll at

To make transactions at the Ada branch, please utilize the night drop. All night drop transactions made during normal business hours will be processed throughout the day.

If needing cash, our ATM’s are open 24/7.

Thank you for your understanding during this time and helping OHB maintain a healthy bank environment for our customers and employees.

Update Posted: 3/16/2020

To our Oklahoma Heritage Family,

At Oklahoma Heritage Bank, we are closely monitoring the situation surrounding the COVID-19 virus, and taking the recommended steps provided by the Oklahoma State Health Department and CDC. All branches of OHB are currently maintaining normal business hours and have implemented additional cleaning measures.

We are committed to providing a healthy banking experience for our customers and team members. You will see our team sanitizing their space after each transaction and our management team cleaning common spaces throughout the day. While our lobby remains open for normal business hours, we strongly encourage you to use our drive-thru for simple transactions. For those of you who would prefer to bank at home, you can find information for our OHB Mobile Banking App and Online Banking by visiting

Most of all, we are here to help you in any way that we can – our customers are our family and our care goes well beyond your finances. Please continue to check your email and our social media pages for updates on our operating hours and procedures.


David Keith
Chief Executive Officer
Oklahoma Heritage Bank