Sovereign Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 25.40 percentage points in Q2 2026, from 83.21% to 108.61%. It was the largest change from Q1 2026 among the key lines here. Within Oklahoma, Sovereign Bank is 145th of 169 on return on assets, 0.64% as of Q2 2026, below the middle of the field. Against a median of 1.28% for banks in the $1B-10B asset tier, Sovereign Bank reported 0.64% on return on assets in Q2 2026, 0.64 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.29% |
| Equity capital to assets | 10.64% |
| Tangible equity to tangible assets | 9.55% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.24% |
| Non-performing assets ratio | 1.02% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 9.65% |
| Allowance for credit losses to loans | 1.35% |
| Reserve coverage of non-performing loans | 108.61% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.64% |
| Return on equity | 5.70% |
| Net interest margin | 4.42% |
| Efficiency ratio | 72.12% |
| Yield on earning assets | 6.88% |
| Cost of funds | 2.65% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 101.05% |
| Core deposits to total deposits | 87.91% |
| Brokered deposits to total deposits | 4.19% |
| Deposits to assets | 81.01% |
| Securities to assets | 10.47% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.64% | 0.57% | 4.48% | 0.01% | -0.19% |
| Q4 2023 | 10.29% | 0.21% | 4.33% | 0.09% | 0.19% |
| Q1 2024 | 10.21% | 0.35% | 4.40% | 0.01% | 0.09% |
| Q2 2024 | 10.18% | 0.64% | 4.72% | 0.01% | -0.01% |
| Q3 2024 | 10.18% | 0.74% | 4.54% | 0.16% | -0.02% |
| Q4 2024 | 10.14% | 0.52% | 4.41% | 0.13% | 0.02% |
| Q1 2025 | 10.34% | 0.79% | 4.27% | 0.12% | 0.00% |
| Q2 2025 | 10.72% | 0.87% | 4.40% | 0.11% | 0.02% |
| Q3 2025 | 10.79% | 0.82% | 4.50% | 0.08% | -0.00% |
| Q4 2025 | 10.81% | 0.71% | 4.41% | 1.64% | 0.01% |
| Q1 2026 | 10.58% | 0.67% | 4.21% | 1.62% | 0.00% |
| Q2 2026 | 10.29% | 0.64% | 4.42% | 1.24% | -0.01% |
Sovereign Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Sovereign Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Sovereign Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 25738) · FFIEC NIC profile (RSSD 396253)