Sovereign Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Sovereign Bank of Shawnee, OK against its peer group of 927 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.64% | 1.46% | -0.82% | 13th bottom |
| ROAE | 5.70% | 12.69% | -6.99% | 12th bottom |
| Net Interest Margin | 4.42% | 3.85% | +0.57% | 86th top |
| Efficiency Ratio | 72.12% | 57.39% | +14.73% | 17th bottom |
| PPNR / Avg Assets | 1.15% | 1.88% | -0.73% | 21st bottom |
| Yield on Earning Assets | 6.88% | 5.72% | +1.16% | 94th top |
| Cost of Funds | 2.65% | 2.02% | +0.63% | 16th bottom |
| Net Interest Spread | 4.00% | 3.18% | +0.82% | 91st top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.24% | 1.00% | +0.24% | 26th below |
| NPA / Total Assets | 1.02% | 0.76% | +0.26% | 24th bottom |
| NCO / Avg Loans | -0.01% | 0.43% | -0.44% | 90th top |
| ACL / Total Loans | 1.35% | 1.31% | +0.04% | 75th top |
| ACL / NPLs (Coverage) | 108.61% | 564.62% | -456.01% | 34th below |
| Texas Ratio | 9.65% | 7.39% | +2.26% | 25th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.29% | 11.44% | -1.15% | 45th below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.64% | 11.34% | -0.70% | 54th above |
| TCE / Tangible Assets | 7.83% | 10.50% | -2.67% | 9th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 101.05% | 86.95% | +14.10% | 15th bottom |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.91% | 85.55% | +2.36% | 46th below |
| Uninsured Deposit Ratio | 44.78% | 33.12% | +11.66% | 17th bottom |
| Wholesale Funding Ratio | 7.95% | 5.70% | +2.25% | 24th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 13.78% | 9.68% | +4.10% | 85th top |
| Loan Growth (Y/Y) | 20.41% | 8.05% | +12.36% | 92nd top |
| Deposit Growth (Y/Y) | 12.27% | 7.87% | +4.40% | 82nd top |
See Sovereign Bank's peers by name
The 927 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Sovereign Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Sovereign Bank profile, how to read a UBPR, or how this data updates.