The State Bank of Wynnewood
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Data as of · sourced from FFIEC call reports. How we update
The State Bank of Wynnewood is an FDIC-insured commercial bank headquartered in Wynnewood, OK, supervised by the FDIC, with $111.4M in total assets at Q2 2026, up 0.2% from Q2 2025, the 128th largest of 169 banks headquartered in Oklahoma. It was established in 1910 and holds FDIC certificate 4232. It reports no CET1 ratio; its Tier 1 leverage ratio was 15.63% 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
- 4232
- Headquarters
- Wynnewood, OK
- Established
- 1910
- Total assets, Q2 2026
- $111.4M
- Assets vs Q2 2025
- +0.2%
- Tier 1 leverage ratio, Q2 2026
- 15.63%
- Domestic offices
- 1 · The State Bank of Wynnewood branches FDIC institution directory, current count
- Routing number
- 103102407
- Safety and soundness
- Is The State Bank of Wynnewood safe?
- Latest call report
- Q2 2026, FFIEC 051 · The State Bank of Wynnewood Q3 2026 call report, filed October 5, 2026 (preliminary)
- Holding company
- GARVIN COUNTY BANCSHARES, INC.
- Asset rank in state
- 128th of 169 in Oklahoma
The State Bank of Wynnewood, based in Wynnewood, Oklahoma, reported $111 million in assets at June 30, 2026. It holds commercial real estate loans equal to only 22% of its capital, a small fraction of the median of 1.2 times for the 2,627 banks with $100 million to $1 billion in assets. It also carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 banks its size (median 2.7%).
Net income for the quarter rose 27% from a year earlier, to $339,000. Over the same year, loans grew 4.5% and deposits shrank 1.9%. Its margin is thin by comparison: it keeps 3.12 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.96 cents).
As of June 30, 2026, The State Bank of Wynnewood reported a return on assets of 1.17%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Of the 169 banks headquartered in Oklahoma, The State Bank of Wynnewood is the 128th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 2.3% to $111.4M, loans rose 1.7% and deposits fell 2.8%. The largest part of its loan book on June 30, 2026 was farmland and other real estate loans, at 46.2% of total loans, ahead of 1-4 family residential loans at 23.1%. The FDIC Summary of Deposits lists a single office for it, in Wynnewood, OK. On its Q2 2026 call report, The State Bank of Wynnewood meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 117 S Dean A Mcgee Ave, Wynnewood, OK 73098
- County
- Garvin
- 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
- August 1, 1910
- Former names
- The State Bank of Wynnewood (1978)
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 16
- Domestic deposits
- $95.8M
- Allowance for credit losses
- $657K
- Net charge-offs (YTD)
- $2K
- Average total assets
- $116.3M
- Average total loans
- $49.3M
- Average interest-bearing deposits
- $80.4M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4232
- Fed RSSD
- 952257
- Website
- www.sbwok.com →
- Parent Holding Company
- GARVIN COUNTY BANCSHARES, INC. (RSSD 2438205)
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, The State Bank of Wynnewood 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, The State Bank of Wynnewood's total assets ranged from $101.3M (Q4 2025) to $114.0M (Q1 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
$111.4M total assets against $111.2M; $96.2M total liabilities against $98.1M.
$49.7M net loans and leases against $47.5M; $95.8M total deposits against $97.7M.
$37.0M securities against $39.8M; $23.6M cash and balances due against $20.8M.
$1.3M total interest income against $1.3M; $426K total interest expense against $472K.
$852K net interest income against $799K.
$68K total noninterest income against $55K; $579K total noninterest expense against $587K.
No provision recorded in the last 12 quarters.
$339K net income against $267K.
1.17% return on assets against 0.92%; 3.12% net interest margin against 2.99%.
15.63% tier 1 leverage ratio against 14.74%.
Inside the full The State Bank of Wynnewood terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe State Bank of Wynnewood rankings
Its closest position to the top of a national ranking is 1,785 of 3,606, for efficiency ratio; its furthest is 3,628 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.53% (Q4 2024) to 2.87% (Q1 2026) and its net interest margin ran from 2.62% (Q3 2024) to 3.20% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.63% | 1.17% | 0.00% | 0.00% | 3.12% |
| Q1 2026 | 15.89% | 2.87% | 0.00% | 0.00% | 3.10% |
| Q4 2025 | 15.55% | 0.96% | 0.00% | 0.71% | 3.20% |
| Q3 2025 | 15.28% | 1.05% | 0.00% | 0.72% | 3.19% |
| Q2 2025 | 14.74% | 0.92% | 0.00% | 0.79% | 2.99% |
| Q1 2025 | 14.42% | 0.90% | 0.00% | 0.80% | 2.85% |
| Q4 2024 | 14.75% | 0.53% | 0.00% | 0.81% | 2.76% |
| Q3 2024 | 14.47% | 0.77% | 0.00% | 0.77% | 2.62% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 |
|---|---|---|---|
| The State Bank of Wynnewood | Wynnewood , OK | 73098 | $95.8M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in OK, rank 143 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $313K approved, $313K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2020 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 The State Bank of Wynnewood
What are The State Bank of Wynnewood's total assets?
As of the Q2 2026 filing, The State Bank of Wynnewood reported total assets of $111.4 million in its FFIEC call report.
Where is The State Bank of Wynnewood headquartered?
It is headquartered in Wynnewood, OK, United States.
When was The State Bank of Wynnewood founded?
It was established in 1910, per the FDIC institution directory.
Is The State Bank of Wynnewood FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #4232). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The State Bank of Wynnewood?
The State Bank of Wynnewood's primary federal regulator is the FDIC.
How many branches does The State Bank of Wynnewood operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The State Bank of Wynnewood's Texas Ratio?
Its Texas Ratio is 0.00% 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.
What was The State Bank of Wynnewood previously called?
The charter now named The State Bank of Wynnewood has also operated as The State Bank of Wynnewood (1978), per FDIC structure-change records.
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