Arvest Bank Group operates more than 260 locations in Arkansas, Kansas, Missouri, and Oklahoma. Through Arvest Bank, it provides traditional services, such as checking and savings accounts, CDs, and credit cards. The bank's lending activities focus on commercial real estate loans, residential mortgages, and business, construction, and consumer loans. The group maintains a decentralized structure of nearly 20 individually chartered banks. Local managers and directors control lending decisions and deposit rates in many communities. Descendants of Wal-Mart founder Sam Walton (including bank CEO Jim Walton, a son of Sam and one of the richest men in America) control Arvest Bank Group.