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Watermark Bank
Oklahoma City, OK · FDIC Certificate #59148 · Chartered 01/2
Total assets
$450.54M
Total deposits
$387.38M
Total equity
$56.97M
Net loans
$376.21M
Branches (offices)
1
Net income (YTD)
$2.87M
Rank: #1,908 of 4,213 U.S. banks by assets · #59 of 168 in Oklahoma. Assets changed 26.7% and deposits 29.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.34% |
| Return on equity | 10.36% |
| Net interest margin (YTD) | 4.26% |
| Equity to assets | 12.64% |
| Tier 1 leverage ratio | 13.29% |
| Uninsured deposits (share of deposits) | 32.6% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | -0.02% |
| Loans to deposits | 97.1% |
| Real estate loans (share of loans) | 58.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $220.18M | 58.5% | |
| Commercial & industrial | $147.04M | 39.1% | |
| Consumer / individual | $307.00K | 0.1% | |
| Construction & development | $44.31M | 11.8% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $241.93M | $201.98M | $1.09M | $39.53M |
| Jun 2023 | $290.33M | $242.80M | $1.57M | $42.73M |
| Jun 2024 | $343.11M | $292.17M | $1.19M | $45.73M |
| Jun 2025 | $355.50M | $298.63M | $2.15M | $50.99M |
| Jun 2026 | $450.54M | $387.38M | $2.87M | $56.97M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Oklahoma | $387.38M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $387.38M.
Similar-sized banks
The Citizens State Bank ($450.64M) · Greatamerica Bank National Association ($449.96M)
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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