Meet Karen Wallace

MLO #703909

Discover the inspiring journey of Karen Wallace: from small-town roots in Tishomingo to a distinguished community banker, family adventures, and community leadership. Dive into her story to uncover the secrets of success and the power of perseverance.

1NB Ardmore

Beginning in Banking


Karen embarked on her banking career as a teller, marking the beginning of a remarkable career. Through her unwavering determination and commitment to excellence, she swiftly advanced through various roles, including New Accounts, Loan Assistant, and Loan Officer. Karen’s exceptional talent and dedication to community banking has been instrumental in her continuous progression, serving as an inspiration to her peers.

More than a Community Banker

Karen extends beyond the realm of community banking. Karen beems with pride for her two cherished children, Karlie Gragg and Caleb Gragg. Karlie excels in her role as a Real Estate Agent for Papasan Properties Group with Keller Williams, while Karen’s son Caleb selflessly serves his country as an IC3 in the US Navy, stationed in Yokosuka Japan since 2015.

Becoming a Branch Manager


Karen’s dedication led to a promotion to Branch Manager in 2005 truly exemplifing her commitment to community banking. With her lending expertise flourishing, she seamlessly transitioned into this role, where she showcased exceptional leadership skills and deepened her financial acumen over the course of 16 dedicated years.

1NB Ardmore

Dedication to Community

Karen’s commitment to community extends beyond banking, as she actively participates in the Arbuckle Sunrise Rotary. An avid outdoor enthusiast, she relishes in running and cherishes time spent with her beloved pets.

Ardmore, OK 1945

Joining 1NB


Karen’s arrival as Vice President and Loan Officer ushers in an exciting new chapter. With an impressive track record of transforming aspiring entrepreneurs into success stories and making personal loans effortlessly accessible, Karen is on a mission to ensure that community banking resonates with every household. Embrace the future with us as we pave the way for financial possibilities.

1NB Today and Looking Forward

The experienced professionals at 1NB continue to look after our local communities through unparalleled money management options. We’ve proudly cared for the financial well-being of Oklahoma residents and businesses for generations, and we look forward to continuing our tradition of excellence in the years to come.
“Our leadership is committed to the development of new leaders for the future of our bank and our communities. We will continue to promote the economic growth and stability of the communities we serve by providing high quality, competitive financial products and personalized, customer-oriented service.”
– Clayton Lodes

Years in Service

Locations Across Oklahoma

Make 1NB Your Banking Partner

Experience our acclaimed customer service and dynamic personal and commercial banking features when you open an account with us today.

Committed to Community

At 1NB, our community is our family. We live, work and raise our families in the cities we serve. As one of the leading community investors in southern Oklahoma, we are committed to continuing to inspire Oklahoma success. 1NB advances the prosperity of our people through contributions to local schools and nonprofits, scholarship programs and partnerships with community organizations.
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First National Bank and Trust Company of Ardmore Inc

Main Branch

405 West Main Street
Ardmore, OK 73401

Helpful Support Numbers

Lost/Stolen Debit Card: 1-800-523-4175
Debit/ATM Card Activation: 1-866-985-2273
PIN Change: 1-866-985-2273