Darryl Baskin, EXP Realty
Achieving success takes innovation, drive and a network of people you can count on. Most businesses start with an idea and, with the right nurturing, grow into a thriving and profitable venture that can last decades or even generations. First National Bank of Broken Arrow has been a source of financial nourishment since 1902 and continues to take today’s businesses from small beginnings to towering successes.
Real Estate Success Starts with Real Relationships.
“I started in real estate as an understudy of my father in the late 80’s,” Darryl remembers. “After his untimely death, I made the decision to carry on in his footsteps.”, he continues. “It seemed like Tulsa’s real estate climate could use a younger, more enthusiastic contender. I was barely 18 when I purchased my first property. 19 when I got my license.”
Like many businesses, Darryl started small.
“I had a really difficult time finding a good financial partner to finance my first land purchase,” he says. “Then I found First National Bank of Broken Arrow. Their commercial loan program was better than anything else I could find out there.”
Upon paying off that initial loan, Darryl leveraged it to purchase a rental property. Then two more after that.
“The process of financing with First National has enabled me to increase our real estate portfolio through a long-term relationship during the good and bad cycles of the economy,” Darryl reflects. “They have been a consistent partner for me since the beginning.”
Darryl’s business has stood the test of time and he has become one of the best-known real estate professionals in the Tulsa Area. He now has a full staff at his EXP office in Bixby.
“I’ve stayed with First National because they’ve done so much for me. While other banks were looking for excuses to call loans due to build cash reserves, the people of First National were asking how they could help me grow my business and what I needed to be successful. And working with them is so easy. They always respect my time and are very proactive and efficient,” he continues. “They have been a crucial part of my business plan since 1998. And I don’t see that changing!”
EXP Realty sets itself apart from other real estate companies by striving to make the buying and selling experience better for their clients. They achieve this advantage by implementing technologically advanced methods such as video tours, video meetings, paperless transactions and proven internet marketing tools. For more information, visit www.darrylbaskin.com
Griffin Excavating and Dozer Service
On the surface, Oklahoma’s small towns look like glistening jewels dotting the landscape. But when you dig a little deeper, you’ll soon discover that it’s the people, families and close-knit relationships in these places that make them the treasures that they truly are. At First National Bank of Broken Arrow, we remember our local roots, yet provide all the professional services that the big-city banks do. It’s the perfect place to lay the foundation for any business – large or small.
A Firm Relationship for Four Generations.
“Although Griffin Excavating and Dozer Service was founded over 44 years ago with the help of First National Bank, our family’s business relationship goes even farther back,” recalls Vicki Griffin.
In the 1920s, Vicki’s father-in-law, L.D. Baker, secured his first business loan with First National Bank to open Oak Grove Store. In the years following, they continued to finance the purchase of additional farms and equipment as their family grew.
“L.D. introduced me to First National Bank back in the 60s. They’ve been such a big part of our family,” Vicki says. “We purchased our first farm back in 1975 and financed it through First National. Since then, we’ve started several other companies – all with their help.”
First National Bank’s people not only helped financially, but they also stood by the Griffins through some very difficult times.
“I was diagnosed with cancer in 2001 and my oldest son fell 14 feet on a construction site and hit his head on the concrete in 2008,” she remembers. “In both situations, First National helped any way they could and stood by us as we endured all of this. I would call them a big family bank with a big heart!”
Griffin Excavating and Dozer Service specializes in a wide variety of services – from creating roads and ponds, to clearing timber, to building pads. It’s a family business that treats their customers like family. For more information, call 918-757-2348.
Dr. Todd Gentling
When it comes to business, it’s always good to look your very best. But it’s even better to demonstrate the quality of your business by providing outstanding customer service – right from the beginning. Since 1902, the people of First National Bank of Broken Arrow have started each relationship with a sincere smile and a warm handshake. And the tradition continues today.
The Building Blocks of a Beautiful Practice.
It was over ten years ago that Dr. Todd Gentling took a look around Broken Arrow and said to himself, “this is the perfect spot for my practice.” The community was thriving and many new families were moving into the scores of neighborhood developments popping up all around town. He knew there was room for another dentist.
Dr. Gentling’s reputation for outstanding customer care resulted in his practice outgrowing its office space. It was time to build a bigger building.
“In the beginning, I had gotten an initial startup loan from a mega-bank and never was happy with their service, so I began looking for an alternative here in Broken Arrow.”, Dr. Gentling recalls. “First National had much better rates on business loans, so I switched. And I’m so glad I did.”
With the help of First National’s business lending team, Dr. Gentling was able to design and build the perfect building to house his bustling, successful practice.
“I wanted my new office to match the level of friendliness, comfort and classiness of our service and staff,” he explains. “and we knew it was important for everyone in the family to have a great experience and enjoy themselves as much as possible when they are here.”
The new building, which opened in 2011, features a more home-like design with warm, inviting colors, comfortable family waiting areas and a level of class not found in typical dental clinics.
“We nailed it, thanks to Greg and everyone else over at First National. They are all top notch professionals and I’m glad they are a part of my team.”
Dr. Gentling’s practice specializes in family-centered general dentistry, with an emphasis on compassionate, friendly service. Learn more at www.ba-dentist.com.
Dayna Matheny, Star Jewelers
What is more valuable than the most precious jewel? Great relationships. At First National Bank of Broken Arrow, each customer is regarded as priceless. Every transaction is completed with precision. And service always comes with a sparkling smile. It’s been that way since 1902 and continues to this day.
Three Generations. One Bank.
Dayna Matheny vividly remembers the days of walking with her family to the bank across the street as a young girl in the 70’s. She recalls seeing the warm interactions between bank staff and her grandfather, who started their successful Broken Arrow jewelry store back in 1956. As time went on, her father and mother took over the daily task of making the bank deposits. Then, in the 90’s, it was her turn to lead Star Jewelers into the future.
“First National Bank of Broken Arrow has always been our bank. I practically grew up with all those bank tellers”, she reflects. “We have such a close relationship with everyone over there that we’ve never thought of doing our banking anywhere else.”
Star Jewelers is an illustration of stability and success and has occupied the same space on Main Street in Broken Arrow since 1971. It is one of only a few local jewelry stores to have an in-house jeweler – who also happens to be Dayna’s father, Hank. For over 38 years, customers have felt safe leaving their jewelry in his skilled, trustworthy hands for repairs.
“Being community-oriented is so important to us, and First National is a great example,” she continues. “We watch out for them and they do the same for us. In fact, we once had two thieves run out the door after stealing some of our jewelry. Immediately, a group of First National folks ran outside, chased and caught them. I’ll never forget it!”
Star Jewelers features fine jewelry from some of the world’s top jewelry designers as well as their own customer designs. Visit their single location at 120 S. Main in Broken Arrow or learn more at www.starjewelersba.com.
Rob Irwin, Farmers Insurance
The word, “relationship” seems to be thrown around the banking industry quite often. But at First National Bank of Broken Arrow, it is demonstrated day after day. Since 1902, we have established and maintained strong ties with the great people in our community who have taken risks and started their own businesses – thus driving the local economy forward through both prosperous and challenging times.
Insuring and Inspiring the Community.
There’s no denying that Rob Irwin is a people person. Upon first meeting him, it’s hard to miss his firm handshake, genuine smile and hearty laugh. It was this passion that landed him a great opportunity with Farmers Insurance over 25 years ago. And today he is now the District Manager of Farmers Insurance in Tulsa and the owner of his own thriving insurance firm.
“I always wanted to be in business for myself,” he reflects. “Farmers has a great reputation and I really love the opportunities I get to meet people and form lasting relationships.”
In 2010, Rob decided to purchase a larger building and began the search for a banking partner to finance his purchase.
“First National Bank of Broken Arrow’s great commercial loan rates were the first thing to grab my attention.” he recalls. “But then when I started working with Greg Graham, I truly began to realize how lucky I am to be partnered with such a stable, locally-owned bank. I can’t say enough good things about Greg and his team over there. They are fabulous!”
Farmers Insurance was founded in 1928 with the simple goal of insuring the vehicles of rural farmers. Today, Rob’s agency is part of a successful national company that covers over 10 million households, vehicles, homes and small businesses. For more information, call 918-492-8282.
Since 1902, First National Bank of Broken Arrow has built a solid foundation of helping area businesses. Our people have been and always will be committed to the local community – serving as advocates for small businesses and steadfast supporters of the people behind them.
Building Dreams with Pride
Homebuilding literally runs in Randy Schwers’ blood. Growing up, he shadowed his father – a successful builder who had spent years crafting exceptional dwellings in Iowa, and then eventually Oklahoma.
“I’ve always known I was going to be a homebuilder,” reflects Randy. “I learned everything I know from working with my dad and knew someday I would have my own business.”
Randy and his wife Brenda fulfilled that dream in 1996. They settled in Broken Arrow and established Schwers Homes with the help of First National Bank of Broken Arrow.
“My father was the one who introduced me to First National Bank of Broken Arrow,” he recalls. “He had been working with them for years and established a great business relationship with so many of their people. We financed our first project with them and now they are the main bank we use for all of our developments.”
Schwers Homes specializes in custom homes that range in price from $140,000 to $500,000 throughout the Tulsa metro. Randy’s team of experienced craftsmen listen to their customers, capture their vision and deliver exquisitely-finished homes that are built to last. For more information, visit www.schwershomes.com.
“We love that First National is a smaller, community bank.” Schwers adds. “They are always willing to go above and beyond to take care of us and our customers. I would recommend them to anybody based on my experience.”
Dr. Randy Fagan, DDS
At First National Bank of Broken Arrow, you can say that banking runs in the family. In fact, the Graham family has maintained controlling interest in the bank since 1941 and its current Chairman, Gregory S. Graham, cherishes something his father told him – “Banking is a good living, but its real value is that it leverages your ability to achieve a greater good for the community.”
One Family Business Helping Another.
Randy Fagan probably could have made a successful career as an IT professional but abandoned that livelihood to pursue his dream of becoming a dentist.
Fagan graduated from the University of Oklahoma College of Dentistry in 1997 with a Doctorate in Dental Surgery and started his second career as the Dental Director for the Tulsa City and County for two years. He opened his private practice in Broken Arrow in 1999 with his wife, Janice, by his side as the Business Manager.
“When I went from IT to eye teeth in my professional career, it was a leap of faith for Janice and me and our family. Knowing that the First National family was along with us on the journey gave us great comfort,” relates Dr. Fagan about the start and growth of his dental practice. “Our dental practice grew and in 2009 our relationship with First National allowed us to build a fabulous, stand alone facility to serve our patients.”
The Fagan website, www.randyfagandds.com, not only details the state-of-the-art facility at 4710 W. Urbana Ave, in Broken Arrow, but also shares stories about other family members and employees that are invested in making the practice patient and family friendly to the community.
Custom Heat & Air
More than twenty years ago, the big banks invented the title of Personal Banker to make customers feel like they had a personal connection with someone at their bank. At First National Bank of Broken Arrow, your personal banker is more than likely your neighbor, the parent of one of your child’s friends, or the referee on the soccer field.
A Relationship That Has Lasted Three Decades.
If you live in Northeastern Oklahoma, you’ve definitely heard of Custom Heat & Air or Custom Services. You may be comfortable in your office or home because of the quality technicians that Bob and Dana Townsend trained to be the best.
“Dana and I had only been married about one year when the HVAC company I worked for went bankrupt,” remembers Bob Townsend, owner of Custom Services with his wife. “I had an opportunity to do a good size manufacturing job but didn’t have the money to buy the equipment. I went to Scott Graham at First National and asked for a loan. Two days later he called me to his office to turn me down but gave me some sound advice on running a business and shook my hand.”
Bob and Dana then went to another financial institution and paid over 20% on a one year note to get the job done .
“Once we started the business and started paying on that loan, we decided to pay cash for everything we did to build our credit,” recalls Dana Townsend about the first three years. “Every Friday we checked our cash on hand and that is a business practice we maintain to this day thanks in part to fiscal advice from Mr. Graham at First National.”
In 1982, Bob and Dana decided to build their first facility and went back to First National, got the loan and have been loyal customers for more than 30 years!
Custom Services runs their business based upon building a strong relationship and trust among employees. The result has allowed Custom Services to provide quality heating and air conditioning services at a fair price and lets employees earn ownership of the company. To learn more about Custom Services, go to www.customservices-inc.com.
The Farquhar Allstate Agency
First National Bank of Broken Arrow opened its doors in 1902 and the values and traditions of more than a century ago are still evident today. We still have a passion for people, their dreams and ultimately, their successes. In 2008, First National started one customer on the road to success and with his dedication and hard work; he put himself in good hands.
When You Know You’re In Good Hands.
After several years in the life and annuity business, Jeff Farquhar decided to get into the insurance industry where he could better provide for his family over the long haul. He joined a local Allstate agency as manager of one of their offices so that he could learn firsthand about the business – a business he would soon buy!
“Putting the financial offer and deal together was the easy part, finding a financial partner was a struggle,” remembers Farquhar about the initial agency purchase. “My mentor and I met with three different banks and we never felt that they understood what our goals and objectives were and, never grasped the concept of this Allstate insurance business.”
After many months of frustration and at the advice of an ex loan officer of one of the three banks, they met with First National of Broken Arrow and according to Farquhar, “they seemed to get what we were trying to do right away.”
Fast forward to 2013, four insurance agency acquisitions later, and the relationship between the Farquhar Allstate Agency and First National has become a partnership of growth.
“The last two acquisitions were conducted on a cell phone call to Greg Graham (Chairman of the Board)”, relates Farquhar. “I honestly believe that a lot of the credit for our success is our close business and personal relationship with First National.”
If you want your insurance to be in good hands, go to www.farquharagency.com and read why Jeff Farquhar counts more than 3,000 people as satisfied customers.
Kenny Smith Homes
As a community bank, First National Bank of Broken Arrow has always been an integral financial partner with homebuilders and home buyers in Northeastern Oklahoma. Since the bank opened its doors in 1902, the housing market has cycled through numerous ups and downs but, the relationship between the builder, the buyer, and the bank always comes first at First National.
We Nailed Down Building Relationships.
While trying to survive the telecommunications rollercoaster at WorldCom and Williams Communications in 1985, Kenny Smith started a homebuilding business on the side as a second career.
“I realized early on that the only way to be successful as a homebuilder was to establish a close relationship with a bank,” recalls Kenny Smith. “As luck would have it, one of the first bankers I sat down with was Greg Graham from First National. Eighteen years later, I’m still building houses, working with Greg and he is now Chairman of the bank!”
Kenny Smith Homes prides itself on building affordable, quality homes in the $150-200,000 range. His philosophy mirrors what First National has tried to do for more than 110 years – treat customers with fairness, respect and honesty.
“When I have someone interested in building a custom home, I schedule an appointment with Greg at First National for myself and the customer to sit down and go over their financial options,” relates Smith about his homebuilding process. “When I introduce the customer to the Chairman of the Board of the bank, they feel pretty comfortable.”
Affordability and quality are the standards at Kenny Smith Homes. To check out some his featured homes, go to www.kennysmithhomes.com
Gene Larew Lures
What do donuts and bank loans have in common? It could be that the relationships built over a glazed donut may be more important than a slick business plan. Since 1902, banking at First National Bank of Broken Arrow has been a relationship, not a transaction.
From Natural Gas to Luring Bass.
Chris Lindenberg could have been content with running his successful natural gas business, Hawkins Filtration, but when an opportunity to buy Western Filter opened up in Houston in 1984, he needed the financial help of his Daylight Donut cohort.
“Nobody was loaning money to anyone in the energy industry in 1984, but Scott Graham (my donut buddy) at First National saw the long term potential,” reflected Lindenberg about the start of his relationship with the bank. “When we got the money from First National to buy Western Filter, I made a promise that day to the folks at the bank – you will have my business for life!”
Over the last thirty years, First National of Broken Arrow has provided banking services and lines of credit for all of Lindenberg’s six businesses.
Fast forward to 2006 and a Lindenberg phone call to the current First National Chairman of the Board, Gregory S. Graham, casts the first line in the water for the purchase of Gene Larew Lures.
“When I saw the business opportunity for Larew Lures, the deal had to be done almost immediately,” Lindenberg remembers, “so I make a personal call to the Chairman of the Board of my bank to get the deal done. How many customers have the cell phone number for the Chairman of the Board of their bank!”
As defined online, “a community bank is an institution that is typically locally owned and operated. Lending decisions are made by people who understand the local needs of families, businesses and the community at large.”
Since 1902, First National Bank of Broken Arrow has understood the needs of the families and businesses who want to thrive in our community. At First National, making lending decisions normally balances character and family history over credit scores.
Developing A Business With A Spotless Reputation.
Throughout his professional career, John Henderson had always dreamed of coming up with that one in a million business idea that he could share and grow with his sons. After hundreds of hours of research, phone calls, online surfing, devouring business books and, some personal insight from one of his sons, John came up with a strategy for a unique, one of a kind laundry business in 2005.
“I guess you could say we did our due diligence but, we were still going to have to find a bank that could share our passion for starting Liberty Laundry,” related owner John Henderson. “First National recommended an SBA loan and with their expertise, they worked hand-in-hand with us to go through that process. I’m not sure another bank would have labored through that to get us started with our first store in Broken Arrow.”
The second location opened just North of 71st and Sheridan in Tulsa and First National has already funded the construction of Liberty Laundry’s newest and third location near Jenks.
The coin operated laundry of yesterday is a glimmer of what Liberty Laundry has built in just eight years. Go to www.libertylaundryok.com to learn how first class service combined with hometown values and friendliness has made Liberty Laundry into the success story that it is today.
Tulsa Dermatology Clinic, Inc.
Historically, it was said that young boys arrived at the Oklahoma Military Academy (OMA) to live to learn and to learn to live; and they left as young men. Back in the 1950s, two of these young men graduated from the West Point of the Southwest and later formed a professional relationship that would last more than 35 years.
Our Relationship Is More Than Skin Deep.
They say timing is everything. Dr. Charles Doran was one of the founding doctors of Tulsa Dermatology Clinic when he reconnected with OMA classmate, Scott Graham, of First National Bank of Broken Arrow. The bank worked with Doran and the other founding doctors to build their practice on 21st St. in midtown Tulsa.
“For more than 35 years, our relationship with First National has been more like a partnership,” relates Benita Duncan, who manages the business end of this icon of dermatology in Tulsa. “Every time we have needed to expand or renovate the clinic or, when we expanded to our second location in Claremore, it began with a simple phone call to First National.”
Even though Tulsa Dermatology is located in midtown Tulsa and surrounded by dozens of banks, this long term relationship is summed up very simply by the person who has handled the operations of the clinic from day one.
“Our business is focused on the wellness of our patients,” said Benita “and our banking relationship with First National very simply takes care of the fiscal end of the clinics.”
At Tulsa Dermatology Clinic, you will always be evaluated and treated by a board-certified dermatologist, not a physician assistant or nurse practitioner. To find out more about the Clinic, go to www.tulsadermatology.com.