SOONER STATE BANK
SOONER STATE BANK is an FDIC-insured commercial bank headquartered in TUTTLE, OK, established in 1903. As of , 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 4.87%. CET1 capital ratio: 12.01%, well above regulatory minimums. NPL ratio: 1.34% · Texas Ratio: 7.24%. Operates 7 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios.
Sooner State Bank rankings
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Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 12.01% | 1.76% | 1.34% | 7.24% | 4.87% |
| 2025-09-30 | 11.86% | 1.95% | 1.82% | 9.68% | 4.81% |
| 2025-06-30 | 11.33% | 2.06% | 1.08% | 6.05% | 4.83% |
| 2025-03-31 | 11.22% | 1.97% | 0.00% | 0.00% | 4.73% |
| 2024-12-31 | 10.99% | 1.93% | 1.69% | 9.06% | 4.49% |
| 2024-09-30 | 11.31% | 1.86% | 0.00% | 0.00% | 4.46% |
| 2024-06-30 | 10.55% | 1.80% | 0.00% | 0.00% | 4.41% |
| 2024-03-31 | 10.10% | 1.74% | 0.03% | 0.50% | 4.24% |
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Frequently asked about SOONER STATE BANK
What are Sooner State Bank's total assets?
As of the Q4 2025 filing, Sooner State Bank reported total assets of $331.0 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Sooner State Bank headquartered?
Sooner State Bank is headquartered in TUTTLE, OK, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Sooner State Bank founded?
Sooner State Bank was established in 1903, per the FDIC institution directory.
Is Sooner State Bank FDIC-insured?
Yes. Sooner State Bank is an FDIC-insured commercial bank (FDIC Certificate #402). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Sooner State Bank?
Sooner State Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Sooner State Bank's CET1 capital ratio?
Sooner State Bank reported a Common Equity Tier 1 (CET1) capital ratio of 12.01% in its most recent quarterly filing — above regulatory minimums.
How many branches does Sooner State Bank operate?
Sooner State Bank operates 7 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Sooner State Bank's Texas Ratio?
Sooner State Bank's Texas Ratio is 7.24% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.