Advantage Bank

At Advantage Bank, Business Checking Accounts and Loans are convenient and geared to make keeping track of your business oh, so pleasant!

In addition to large and small loans, Advantage Bank offers convenient personal accounts for every need including our Free Advantage, Senior Advantage, Student Advantage and Second Chance Advantage Checking accounts, as well as Saving Accounts for the whole family.  24 hour ATM at both locations.  Member FDIC


New Construction Loans are our Specialty!

Whether you’re planning on building a new office, warehouse, retail space, or a new home, we offer those hard-to-find New Construction Loans you need to make the move from plans to reality as smooth as possible. Builders love working with Advantage Bank – Call to consult one of our loan officers.  Equal Housing Lender

Personal Loans-

Consumer Loans as small as $500 for unexpected emergencies. We offer personal loans for new and used cars, trucks, and boats. We also offer loans for unimproved property and lot purchase.


Lobby Hours:   Mon-Fri 9am-5pm  (Spencer & MWC)
Drive-Thru:    Mon-Fri 7am-6pm  & Sat 9-12noon   (Spencer)
Mon-Fri 8:00am-6pm  &  Sat  9-12noon   (MWC)


Advantage Bank has been serving the banking needs of Eastern Oklahoma County since 1914, with locations in Midwest City and Spencer.

8001 NE 23 St. / Oklahoma City, OK 73141  (Spencer)
10100 SE 15 St. / Midwest City, OK 73130  (MWC)

Advantage Bank sign-logo-300
Small Business Lending-
Need an SBA or another small business loan? Advantage Bank offers commercial lending, construction lending, and investment property lending. As a smaller full service bank with an outstanding reputation in the community, we will give you the personal attention your business deserves. Family owned and operated for over 100 years.


Established in 1914.

Member FDIC and Equal Housing Lender

Eastern Oklahoma County’s oldest family-owned and operated provider of loans, checking & savings accounts, safe deposit box rentals, CD’s, IRA’s, and many other financial services is still going strong after over 100 years.

Advantage Bank was established first in 1914 as Spencer State Bank by several investors, including the Poole family, who bought out the others, and later renamed Advantage Bank to reflect the expansion beyond the city limits of Spencer, Oklahoma. The bank has stayed in the family, with the Pooles’ granddaughter Donna and her husband Randy Smith continuing over a century of community financial service.

Find us online at


Jeremy is the President and Chief Design Officer at Mission in Motion Design in Harrah, OK. He graduated from The University of Oklahoma with a Master's Degree in Administrative Leadership.