Sooner State Bank
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Data as of · sourced from FFIEC call reports. How we update
Sooner State Bank is an FDIC-insured commercial bank headquartered in Tuttle, OK, established in 1903 (FDIC certificate 402), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $354.6M, up 11.0% from Q2 2025, the 70th largest of 169 banks headquartered in Oklahoma. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.75% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 402
- Headquarters
- Tuttle, OK
- Established
- 1903
- Total assets, Q2 2026
- $354.6M
- Assets vs Q2 2025
- +11.0%
- Tier 1 leverage ratio, Q2 2026
- 12.75%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 103109015
- Holding company
- TUTTLE BANCSHARES, INC.
- Asset rank in state
- 70th of 169 in Oklahoma
Problem loans are rising at Sooner State Bank. The Tuttle, Oklahoma bank had $355 million in assets at June 30, 2026, up 11.0% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.33% of loans from 0.00% a year earlier. It keeps 4.87 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also grew deposits 12.5% over the year, about triple the median of 4.0% for banks its size.
Deposits are coming in faster than loans: over the year loans rose 7.6% and deposits rose 12.5%. Concentration is the risk to watch: it holds commercial real estate loans worth 2.3 times its capital, about double the median of 1.2 times for banks its size.
As of June 30, 2026, Sooner State Bank reported a return on assets of 2.06%, a nonperforming-loan ratio of 0.33% and a Texas ratio of 1.72%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Sooner State Bank is the 70th largest of the 169 banks headquartered in Oklahoma. Between Q1 2026 and Q2 2026, its total assets rose 4.5% to $354.6M, loans rose 0.4% and deposits rose 5.1%. 1-4 family residential loans made up 38.4% of its total loans on June 30, 2026, its largest category; next came construction and land development loans at 24.3%. The FDIC Summary of Deposits lists 7 offices for it, in 6 cities in OK; its Tuttle office books 26% of its branch deposits. On its Q2 2026 call report, Sooner State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 2 Se 4th St, Tuttle, OK 73089
- County
- Grady
- Metro Area
- Oklahoma City, OK
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1903
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 68
- Domestic deposits
- $311.0M
- Allowance for credit losses
- $3.3M
- Net charge-offs (YTD)
- $6K
- Average total assets
- $346.1M
- Average total loans
- $233.3M
- Average interest-bearing deposits
- $227.6M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 402
- Fed RSSD
- 534756
- Website
- http://www.soonerstatebank.com →
- Parent Holding Company
- TUTTLE BANCSHARES, INC. (RSSD 1067372)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Sooner State Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Sooner State Bank's total assets ranged from $302.9M (Q2 2024) to $354.6M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$354.6M total assets against $319.4M; $313.1M total liabilities against $283.1M.
$229.5M net loans and leases against $213.8M; $311.0M total deposits against $276.3M.
$71.5M securities against $76.7M; $40.5M cash and balances due against $15.7M.
$5.4M total interest income against $5.0M; $1.4M total interest expense against $1.3M.
$4.0M net interest income against $3.7M.
$272K total noninterest income against $306K; $2.4M total noninterest expense against $2.2M.
$150K provision for credit losses against $175K.
$1.8M net income against $1.6M.
2.06% return on assets against 2.05%; 4.87% net interest margin against 4.85%.
12.75% tier 1 leverage ratio against 12.64%.
Inside the full Sooner State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Sooner State Bank rankings
Its closest position to the top of a national ranking is 424 of 3,611, for ROA; its furthest is 2,376 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.85% (Q3 2024) to 2.07% (Q1 2026) and its net interest margin ran from 4.51% (Q3 2024) to 4.96% (Q1 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.75% | 2.06% | 0.33% | 1.72% | 4.87% |
| Q1 2026 | 13.08% | 2.07% | 0.30% | 1.58% | 4.96% |
| Q4 2025 | 12.64% | 1.95% | 0.97% | 5.25% | 4.90% |
| Q3 2025 | 12.69% | 1.94% | 1.31% | 7.01% | 4.86% |
| Q2 2025 | 12.64% | 2.05% | 0.00% | 0.00% | 4.85% |
| Q1 2025 | 12.88% | 1.98% | 0.00% | 0.00% | 4.83% |
| Q4 2024 | 12.51% | 1.92% | 0.02% | 0.09% | 4.55% |
| Q3 2024 | 12.27% | 1.85% | 0.00% | 0.00% | 4.51% |
Swipe the table sideways to see every column.
Branch Network
View all 7 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Sooner State Bank (main office) | Tuttle , OK | 73089 | $79.3M |
| Advantage Bank Branch | Oklahoma City , OK | 73141 | $71.8M |
| The Village Branch | The Village , OK | 73120 | $58.9M |
| Tri City Branch | Newcastle , OK | 73065 | $36.4M |
| Newcastle Branch | Newcastle , OK | 73065 | $31.6M |
| North Broadway Branch | Konawa , OK | 74849 | $27.2M |
| Midwest City Branch | Midwest City , OK | 73130 | $5.7M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| October 10, 2019 | Structure Change | Acquired Advantage Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 9, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 31, 1992 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 31, 1992 | Structure Change | Acquired The First National Bank of Konawa Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in OK, rank 75 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 129 applications, 127 loans originated, $27.7M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $220K approved, $220K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2018 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Sooner State Bank
What are Sooner State Bank's total assets?
As of the Q2 2026 filing, Sooner State Bank reported total assets of $354.6 million in its FFIEC call report.
Where is Sooner State Bank headquartered?
It is headquartered in Tuttle, OK, United States.
When was Sooner State Bank founded?
It was established in 1903, per the FDIC institution directory.
Is Sooner State Bank FDIC-insured?
Yes. It 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.
How many branches does Sooner State Bank operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Sooner State Bank's Texas Ratio?
Its Texas Ratio is 1.72% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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