SNB BANK, NATIONAL ASSOCIATION

SHATTUCK, OK | Small | Est. Aug. 1, 1909, midnight | FDIC #4196 | RSSD #394156 | OCC
Latest Report: 2025-12-31

SNB BANK, NATIONAL ASSOCIATION is asn small FDIC-insured commercial bank headquartered in SHATTUCK, OK, established in Aug. 1, 1909, midnight. As of 2025-12-31, the bank reported total assets of $136M and total deposits of $116M. Profitability stands at -1.20% ROA and -10.77% ROE, with a net interest margin of 3.50%. The bank's CET1 capital ratio is 11.04%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 6.10% and a Texas Ratio of 36.37%. FDIC Certificate #4196.

Assets

$136M

Deposits

$116M

Loans

$100M

Equity

$15M

Profitability

Return on Assets (ROA) -1.20%
Return on Equity (ROE) -10.77%
Net Interest Margin (NIM) 3.50%
Yield on Assets 5.83%
Cost of Funds 2.43%

Asset Quality

NPL Ratio 6.10%
Net Charge-Off Ratio 1.37%
Texas Ratio 36.37%
NPA Ratio 4.47%
ACL / Loans 1.71%

Capital & Liquidity

CET1 Ratio 11.04%
Tier 1 Capital 11.04%
Total Capital Ratio 11.59%
Leverage Ratio 11.31%
Loan-to-Deposit 86.03%

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