Exhibit 10.15FINANCIAL EXPERT AGREEMENT     THIS AGREEMENT (the “Agreement”), made this 25th day of January 2007, by and between SouthwestBancorp, Inc., a registered bank holding company (“Southwest”) and David S. Crockett, Jr., a memberof the board of directors of Southwest (“Mr. Crockett “).W I T N E S S E T H     WHEREAS, Mr. Crockett serves as a member of Southwest’s board of directors and of the AuditCommittee of Southwest and its wholly owned subsidiary, Stillwater National Bank and Trust Company(“SNB-Stillwater”).     WHEREAS, Southwest is required by the Listing Standards of the NASDAQ National Market (the“Listing Standards”) to have at least one “Audit Committee Financial Expert” as defined in thatrule, the Securities Exchange Act of 1934, and Securities and Exchange Commission (“SEC”)regulation. .     WHEREAS, the board of directors has determined that Mr. Crockett meets the definition ofAudit Committee Financial Expert.     WHEREAS, Southwest is required to identify each director who is an Audit Committee FinancialExpert in the proxy statements for its annual meetings of shareholders and its annual report to theSEC on Form 10-K.     WHEREAS, it is the position of the SEC, as stated in Release 34-47235 and embodied in SECregulation at Item 401(h) of Regulation S-K, that the designation or identification of a person asan Audit Committee Financial Expert should not impose on such person any duties, obligations, orliability that are greater than those imposed on such person as member of the audit committee andthe board of directors, and that, it would adversely affect the operation of the audit committeeand its vital role in the financial reporting and the public disclosure system and systems ofcorporate governance, and would be adverse to the interests of investors and to the operation ofmarkets and not in the public interest if courts were to conclude that the designation and publicidentification of an Audit Committee Financial Expert affected such person’s duties, obligations,or liability as an audit committee member or a board member.     WHEREAS, consistent with such SEC policy, Southwest’s board of directors has adopted aresolution to the effect that it is Southwest policy that no director shall be subject toadditional responsibility or liability by reason of his or her identification or service as anaudit committee financial expert.     WHEREAS, in spite of these SEC and Southwest policies, it is possible that federal or statecourts may seek to impose additional liability upon an Audit Committee Financial Expert by reasonof his or her identification or service as such, and may allow actions to proceed based upon claimsof such additional liability whether or not such claims are eventually found to be baseless.     WHEREAS, accordingly, Southwest and Mr. Crockett desire to provide a binding and enforceablemeans of effecting such SEC and Southwest policies in connection with his service andidentification as an Audit Committee Financial Expert for Southwest in order to avoid such adverseconsequences to Southwest, Southwest’s shareholders, and Mr. Crockett .     NOW, THEREFORE, in consideration of the premises and mutual covenants herein contained, it isagreed as follows:1. Identification and Service as Financial Expert.
 

 
(a) Mr. Crockett agrees to serve as an Audit Committee Financial Expert for so long as he is amember of the Audit Committee, and consents to the identification of him as an Audit CommitteeFinancial Expert where and in the manner required by applicable law and regulation and the ListingStandards.(b) Notwithstanding paragraph (a) hereof, Mr. Crockett may terminate his status as an AuditCommittee Financial Expert and may resign or decline to stand for reelection as a director ormember of the Audit Committee, provided that, if he is the sole Audit Committee Financial Expert,he (i) has provided at least 60 days prior notice thereof, (ii) is unable to perform his duties asan audit committee member due to disability or other cause not within his control, or (iii) hasreceived Southwest’s consent thereto. Failure to provide such notice shall not, however, affect Mr.Crockett ’s indemnification rights under this agreement.(c) Mr. Crockett shall receive a fee for service as an Audit Committee Financial Expert of $1,000more than the fee paid to other members of the committee who are not Audit Committee FinancialExperts (other than the chairman thereof) for each meeting.2. Term. The term of this Agreement shall begin on the date first written above and shallextend until the seventh anniversary of the day upon which Mr. Crockett last served as an AuditCommittee Financial Expert.3. Indemnification (a) Southwest agrees to indemnify and hold harmless Mr. Crockett against any and all losses,claims, damages, liabilities, and expenses (including reasonable costs of investigation andreasonable attorneys’ fees and expenses), joint or several, and whether or not he continues to be adirector at the time of incurring any such expenses or liabilities, arising out of or based, inwhole or in part, upon Mr. Crockett ’s service as an Audit Committee Financial Expert, and shallreimburse Mr. Crockett for any reasonable legal or other expenses as incurred, but in no eventless frequently than 30 days after each invoice is submitted, incurred by him in connection withinvestigating or defending against or appearing as a third-party witness in connection with anysuch loss, claim, damage, liability or action; provided, however, that Southwest shall not beliable in any such case to the extent, but only to the extent, that any such losses, claims,damages, liabilities, and expenses arise out of or are based upon (i) claims that are substantiallythe same as those made against at least 1/2 of the other members of the Audit Committee excluding thechairman of such committee and any person who has been identified as an Audit Committee FinancialExpert in Southwest’s proxy materials; or (ii) willful breach of fiduciary duty by Mr. Crockettinvolving personal profit.(b) Southwest shall reimburse Mr. Crockett for any reasonable legal or other expenses as incurredas provided in paragraph (a) of this section 3 notwithstanding the possibility that payments forsuch expenses might later be held to be improper hereunder or under applicable law. Any legal orother expenses incurred by Mr. Crockett in connection with investigation or defending against orappearing as a third-party witness in connection with any pending or threatened action that seeksdamage, liability, or expense from, or is based upon action or inaction by, the Audit Committee,Mr. Crockett , or more than two other members of the Audit Committee shall qualify forreimbursement of such legal or other expenses as incurred; provided that Mr. Crockett herebyagrees to refund any such amounts that are determined by final unappealable order of a court withjurisdiction over the parties not to be subject to reimbursement under this Agreement.(c) The indemnity provided by this agreement is in addition to any liability Southwest mayotherwise have to Mr. Crockett . If the indemnification provided for in this Section 3 is notpermitted by applicable law, indemnification hereunder will be made to the maximum extent allowedby such law.(d) If any action or claim shall be brought or asserted against Mr. Crockett in respect of whichindemnity may be sought from Southwest, Mr. Crockett shall promptly notify Southwest in writing,and Southwest shall assume the defense thereof, including the employment of counsel reasonablysatisfactory to Mr. Crockett and the payment of all expenses; provided, however, that the failureto so notify Southwest shall not relieve it from any liability which it may have to Mr. Crockettotherwise than under such paragraph (a) or (b) of Section 3 of this
 

 
Agreement, and further, shall only relieve it from liability under such sections to the extent itis prejudiced thereby. Mr. Crockett shall have the right to employ separate counsel in any suchaction and to participate in the defense thereof, but the fees and expenses of such counsel shallbe at the expense of Mr. Crockett unless (i) the employment thereof has been specificallyauthorized by Southwest in writing, (ii) Southwest has failed to assume the defense or to employcounsel reasonably satisfactory to Mr. Crockett , or (iii) the named parties to any such action(including any impleaded parties) include both Mr. Crockett and Southwest and Mr. Crockett shallhave been advised by such counsel that there may be one or more legal defenses available to himthat are different from or in addition to those available to Southwest (in which case, if Mr.Crockett notifies Southwest in writing that he elects to employ separate counsel at the expense ofSouthwest, Southwest shall not have the right to assume the defense of such action on behalf of Mr.Crockett ); it being understood, however, that Southwest shall not, in connection with any one suchaction or separate but substantially similar or related actions in the same jurisdiction arisingout of the same general allegations or circumstances, be liable for the fees and expenses of morethan one separate firm of attorneys at any time and such firm shall be designated in writing by Mr.Crockett .(e) Mr. Crockett , as a condition of such indemnity, shall use reasonable efforts to cooperate withSouthwest in the defense of any such action or claim.(f) Southwest shall not be liable for any settlement of any such action effected without itswritten consent, but if there be a final judgment for the plaintiff in any such action, Southwestagrees to indemnify and hold harmless Mr. Crockett from and against any loss, claim, damage,liability, or expense by reason of such settlement or judgment.(g) Southwest shall not, without the prior written consent of Mr. Crockett , settle, compromise, orconsent to the entry of any judgment in any pending or threatened claim, action, suit, orproceeding in respect of which indemnity may be sought hereunder (whether or not Mr. Crockett is aparty to such claim, action, suit or proceeding), unless such settlement, compromise, or consentincludes a release of Mr. Crockett , reasonably satisfactory to him, from all liability arising outof such claim, action, suit, or proceeding or unless Southwest shall confirm in a written agreementof Southwest to Mr. Crockett , that notwithstanding any federal, state, or common law, suchsettlement, compromise, or consent shall not alter the right of Mr. Crockett to indemnification asprovided in this Agreement.4. Funding of Trust. Upon the earlier of the tenth business day following (i) the filing ofany action for which indemnification is called for hereunder or (ii) the failure of Southwest toreimburse amounts as required hereunder, Southwest shall (A) establish a valid trust under the lawof the State of Oklahoma and qualifying as a “Rabbi Trust” for federal income tax purposes with anindependent trustee that has or may be granted corporate trust powers under Oklahoma law, (B)deposit in such trust the sum of $100,000, and (C) provide the trustee of the trust with a writtendirection to hold said amount and any investment return thereon in a segregated account, and to paysuch amounts as demanded by Mr. Crockett from the trust upon written demand from Mr. Crockettstating the amount of the payment demanded from the trust and the basis for his rights to suchpayment hereunder. Southwest shall restore the balance therein within two business days followingnotice from the Trustee of payments therefrom so that that the total amount held in such trust isat least $100,000. Upon the earlier of the final judgement or binding settlement of any and allsuch claims for which indemnification is then called for hereunder, the trustee of the trust shallpay to Southwest, as applicable, the entire balance remaining in the trust. Payments from the trustto Mr. Crockett shall be considered payments made by Southwest for purposes of this Agreement.Payment of such amounts to Mr. Crockett from the trust, however, shall not relieve Southwest fromany obligation to pay amounts in excess of those paid from the trust, or from any obligation totake actions or refrain from taking actions otherwise required by this Agreement. Mr. Crockett ‘srights under this Agreement shall be those of a general, unsecured creditor, and he shall have noclaim against the assets of the trust, and the assets of the trust shall remain subject to theclaims of creditors of Southwest.5.Reimbursement of Mr. Crockett ’s Expenses to Enforce this Agreement. Southwestshall reimburse Mr. Crockett for all out-of-pocket expenses, including, without limitation,reasonable attorney’s fees, incurred by Mr. Crockett in connection with successful enforcement byMr. Crockett of the obligations of Southwest under this Agreement. Successful enforcement shallmean the grant of an award of money or the requirement that Southwest
 

 
take some action specified by this Agreement (i) as a result of court order; or (ii) otherwise bySouthwest following an initial failure of Southwest to pay such money or take such action promptlyafter written demand therefor from Mr. Crockett stating the reason that such money or action wasdue under this Agreement at or prior to the time of such demand.6. Injunctive Relief. If there is a breach or threatened breach of Sections 3, 4, or 5 ofthis Agreement, Southwest and Mr. Crockett agree that there is no adequate remedy at law for suchbreach, and that Mr. Crockett shall be entitled to injunctive relief to enforce the obligations ofSouthwest under such sections of this Agreement.7. Successors and Assigns.(a) This Agreement shall inure to the benefit of and be binding upon any corporate or othersuccessor of Southwest which shall acquire, directly or indirectly, by merger, consolidation,purchase, or otherwise, all or substantially all of the assets or stock of Southwest. Southwestshall not enter into any agreement to effect any such transaction without obtaining a bindingcontractual commitment from the acquiror to honor the terms of this agreement.(b) The rights to indemnification and enforcement of this agreement may be exercised by Mr.Crockett ’s personal representative on behalf of his estate in the event of his death during theterm hereof.8. Notices.(a) All notices, requests, demands and other communications in connection with this Agreement shallbe made in writing and shall be deemed to have been given three business days after mailing at anygeneral or branch United States Post Office, by registered or certified mail, postage prepaid,addressed as follows or to such other address provided in writing by the party, except that achange in address will not be deemed given until it is actually received. Notices also may be givenby facsimile transmission, hand delivery, or next business day delivery by a nationally recognizeddelivery service such as FedEx or UPS and, in that event, will be deemed to be given as of the datethey are actually received.If to Southwest or the Bank:Southwest Bancorp, Inc.