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Sovereign Bank
Shawnee, OK · FDIC Certificate #25738 · Chartered 10/2
Total assets
$1.47B
Total deposits
$1.19B
Total equity
$156.83M
Net loans
$1.19B
Branches (offices)
9
Net income (YTD)
$4.47M
Rank: #750 of 4,213 U.S. banks by assets · #17 of 168 in Oklahoma. Assets changed 13.8% and deposits 12.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.63% |
| Return on equity | 5.75% |
| Net interest margin (YTD) | 4.22% |
| Equity to assets | 10.64% |
| Tier 1 leverage ratio | 10.29% |
| Uninsured deposits (share of deposits) | 44.8% |
| Noncurrent loans (share of loans) | 0.06% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 99.7% |
| Real estate loans (share of loans) | 74.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $881.25M | 74.0% | |
| Commercial & industrial | $203.84M | 17.1% | |
| Consumer / individual | $5.13M | 0.4% | |
| Construction & development | $180.74M | 15.2% | |
| Agricultural | $4.93M | 0.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $698.92M | $569.23M | $686.00K | $102.50M |
| Jun 2023 | $912.76M | $758.65M | $2.80M | $106.28M |
| Jun 2024 | $1.10B | $884.54M | $2.47M | $115.85M |
| Jun 2025 | $1.30B | $1.06B | $4.95M | $143.18M |
| Jun 2026 | $1.47B | $1.19B | $4.47M | $156.83M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Oklahoma | $1.19B | 9 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.19B.
Similar-sized banks
Union County Savings Bank ($1.48B) · Central National Bank ($1.47B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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