Your Community.
Your Bank.
Oakwood State Bank has proudly served families and businesses in East Texas for over 38 years. Experience the difference of banking where you're known — not just a number.
Trusted by 12,400+ customers
across East Texas
Oakwood State Bank
Est. 1987 · Oakwood, Texas
300 Main St, Oakwood, TX 75855
Total Assets
$480M+
38+
Years of Service
12,400+
Customers Served
$480M+
Assets Under Management
Up to $250K
FDIC Insured
Everything You Need, All in One Place
From everyday checking to home mortgages and business loans — comprehensive financial services tailored to East Texas.
Rates from 4.85% APY
High-yield savings
Same-day decisions
On most loan applications
5-Star Rated
Bauer Financial 2024
Personal Checking
Free basic checking with no monthly fees, overdraft protection, and a free Visa debit card.
Savings & CDs
Competitive interest rates on standard savings, money market accounts, and high-yield CDs up to 5.10% APY.
Home Mortgages
Fixed and adjustable-rate mortgages, home equity loans, and refinancing with local underwriting decisions.
Auto Loans
New and used vehicle financing with competitive rates and flexible terms up to 84 months.
Business Banking
Business checking, merchant services, SBA loans, and treasury management for local enterprises.
Investments & IRAs
IRA accounts, CDs, and investment referral services through our partner network for retirement planning.
Online & Mobile Banking
Secure 24/7 access to your accounts, mobile check deposit, bill pay, and real-time alerts.
Fraud Protection
Multi-factor authentication, real-time transaction monitoring, and zero-liability debit card protection.
Ready to Get Started?
Join thousands of satisfied customers who trust Oakwood State Bank with their financial future.
FDIC Insured
Up to $250,000
$480M+ Assets
Strong & stable
5-Star Rated
Bauer Financial 2024
12,400+ Customers
Across East Texas
Your Wealth,
Securely Managed.
For over 38 years, Oakwood State Bank has safeguarded the financial futures of East Texas families — with the personal touch of a true community bank.
East Texas's Most Trusted
Community Bank
For over 38 years, Oakwood State Bank has been the financial cornerstone of Leon County. We're not a big national bank — we're your neighbors. Our decisions are made locally, our profits stay in the community, and our bankers know you by name.
With over $480 million in assets and a team of 87 dedicated professionals, we offer the resources of a large bank with the personal touch of a community institution.
Community First
We reinvest in Oakwood and surrounding communities through local lending and charitable giving.
Personal Relationships
Every customer has a dedicated banker who knows their name, their family, and their goals.
Financial Excellence
Consistently rated 5-star by Bauer Financial for safety, soundness, and customer satisfaction.
Bauer Financial 5-Star Superior Rating · 2024 Texas Community Bank of the Year Nominee · A+ BBB Rating
Our History
Founded by the Hargrove family as First Oakwood Savings Bank
Received state charter, renamed Oakwood State Bank
Expanded to serve all of Leon County with $100M in assets
Launched online banking and mobile deposit services
Reached $400M in total assets, recognized as Top Community Bank
Launched enhanced digital banking platform and fraud protection suite
Leadership Team
Robert D. Hargrove III
President & CEO
Margaret L. Whitfield
Chief Financial Officer
James T. Calloway
Chief Lending Officer
Sandra K. Reeves
Chief Operations Officer
Visit Us in Oakwood, Texas
Our main branch is conveniently located in the heart of Oakwood. Walk-ins welcome during business hours.
Your Wealth, Secured
Oakwood State Bank · Est. 1987
Main Branch — Oakwood
Full-service branch with drive-through ATM
Address
300 Main St
Oakwood, TX 75855
United States
Phone
(903) 545-2265
Main line
(903) 545-2266
Loan department
info@oakwoodstatebank.com
loans@oakwoodstatebank.com
Hours
Mon–Fri: 8:00 AM – 5:00 PM
Saturday: 9:00 AM – 1:00 PM
Sunday: Closed
Drive-through ATM: 24/7
Bank Identifiers
Lost or Stolen Card?
Call our 24/7 card services hotline immediately to freeze your card.
1-800-545-2265
Available 24 hours, 7 days a week
Online Banking
Access your account anytime, anywhere with our secure online banking portal.
Sign In to Your AccountGot Questions?
Find answers to common questions about taxes, account management, security, and banking services at Oakwood State Bank.
Still have questions? Our team is here to help.