SOONER STATE BANK

TUTTLE, OK | Small | Est. Jan. 1, 1903, midnight | FDIC #402 | RSSD #534756 | FDIC
Latest Report: 2025-12-31

SOONER STATE BANK is asn small FDIC-insured commercial bank headquartered in TUTTLE, OK, established in Jan. 1, 1903, midnight. As of 2025-12-31, the bank reported total assets of $331M and total deposits of $284M. Profitability stands at 1.76% ROA and 14.74% ROE, with a net interest margin of 5.12%. The bank's CET1 capital ratio is 11.99%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.97% and a Texas Ratio of 5.26%. FDIC Certificate #402.

Assets

$331M

Deposits

$284M

Loans

$231M

Equity

$40M

Profitability

Return on Assets (ROA) 1.76%
Return on Equity (ROE) 14.74%
Net Interest Margin (NIM) 5.12%
Yield on Assets 6.90%
Cost of Funds 1.87%

Asset Quality

NPL Ratio 0.97%
Net Charge-Off Ratio 0.01%
Texas Ratio 5.26%
NPA Ratio 0.68%
ACL / Loans 1.26%

Capital & Liquidity

CET1 Ratio 11.99%
Tier 1 Capital 11.99%
Total Capital Ratio 12.59%
Leverage Ratio 12.64%
Loan-to-Deposit 81.13%

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