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Tribal Nations Banking Division

Committed to helping your Tribal Nation thrive.

Our team of banking professionals have an unparalleled record of success in working with Tribal Nations and in assisting Tribal Nations in achieving their strategic goals. We are passionate about working side-by-side with tribal representatives in improving the quality of life for tribal citizens and others in tribal communities. We are equally committed to an ongoing expansion and strengthening of tribal sovereignty.

Our Tribal Nations Banking team has an unrivaled understanding and knowledge of Tribal Nations and Indian Country. We have an in-depth understanding and sensitivity to the complexities and uniqueness of each Tribal Nation. This has allowed us to successfully deliver a wide variety of financial services to tribal governments, gaming enterprises, tribal non-gaming businesses, tribal housing authorities and tribal health care, to name just a few of the sectors of our expertise. We deliver customized and flexible financial solutions to tribes from coast to coast.

Key Team Executives

Sean Kouplen (Muscogee-Creek)
Chairman & CEO

In 2008, Kouplen led an investor group that purchased 110-year old Regent Bank in Nowata, OK. Since that time, the bank has expanded to Tulsa, OKC Springfield, MO and Bartlesville, growing organically from $72 million to $1 billion in assets, making it one of America’s fastest-growing banks. The bank has won many awards including Inc Magazine’s Best Places to Work and the ICBA Central United States Community Banker of the Year.

Kouplen has held numerous local and statewide leadership positions, including Oklahoma Secretary of Commerce & Workforce Development, Chairman of the OSU National Alumni Association, Chairman of the OSU-Tulsa Board of Trustees and Hospitality House Board of Directors. 

David Lamb 
Executive Vice President & Chief Lending Officer

David is passionate about forming close interpersonal relationships with clients predicated upon trust, integrity, respect and reliability. David has more than 20 years experience in commercial banking plus another 10 years experience in public and corporate accounting. David is proficient in creating complex credit structures, commercial loan syndications, asset based lending, M&A transactions, recapitalizations and interest rate risk management. He has successfully delivered a wide variety of financial services to tribes, both large and small.

J.D. Colbert  (Chickasaw/Muscogee-Creek/Cherokee/Citizen Potawatomi)
Senior Advisor, Tribal Nations Banking

J.D. strongly believes in relationship banking, earning the trust of clients and delivering tailored banking solutions to Tribal Nations. J.D. has more than 40 years experience in banking, tribal government and tribal economic development. J.D. formerly was in charge of economic development programs for the Bureau of Indian Affairs and is the former president and CEO of Native American Bank. He previously held the positions as Executive Director of the North American Native Bankers Association as well as Tribal Administrator of the Citizen Potawatomi Nation, a 40,000- member tribe based in Shawnee, OK.

Together, David and J.D. have over 70 years of experience in working with Tribal Nations, large, mid-sized and small. Federally recognized tribes and state recognized tribes. Gaming and non-gaming tribes. David and J.D. understand the strategic imperative for tribes to continue to expand their gaming operations while at the same time diversifying sources of revenues so as to adequately fund critical health, education and social services.

The Bank of Indian Country.

We have a vision & mission to be The Bank of Indian Country by forming relationships with Tribal Nations predicated upon trust, understanding, reliability and mutual respect. Building upon this strong foundation, the Tribal Nations Banking team can appropriately began creating and delivering custom tailored financial services solutions to undergird the achievement of tribal strategic imperatives.

We recognize that the obstacles to full access to credit, capital and financial services has for too long plagued Tribal Nations and Indian Country. This single issue has greatly frustrated tribal efforts to achieve economic self-sufficiency and tribal economic empowerment.

Lack of access to capital and financial services has suppressed job growth and a thriving local economy. It has also had a negative effect upon the overall quality of life and has hampered local health care, education and general infrastructure.

At Tribal Nations Banking, our team understands and has dealt with many of these systemic structural roadblocks that too often stymie access to capital. We have engineered innovative solutions to overcome these systemic issues so as to successfully deliver a broad range of financial and economic development services.

We are thus the ideal banking partner to work shoulder-to-shoulder with your Tribal Nation to enable your tribe to achieve economic self-sufficiency, self-determination and general economic development.


  • Commercial Loans for a wide variety of purposes tailored to Tribal Nations and Indian Country;
  • Health care;
  • Housing;
  • Transportation;
  • NAHASDA and tribal 184 loans;
  • Tribal educational institutions;
  • General government obligations;
  • Gaming;
  • Section 17 8(a) and non-gaming purposes;
  • Tribal agriculture and USDA backed loans;
  • SBA and BIA guaranteed loans;
  • Tribal cannabis and CBD operations;
  • Wide variety of depository services that comply with tribal Investment Policy Statements;
  • Minors trust depository services;
  • Treasury management services.

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