The State Bank of Wynnewood: 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 67.91 percentage points in Q3 2026, from 1460.00% to 1527.91%. It was the largest change from Q2 2026 among the key lines here. Within Oklahoma, The State Bank of Wynnewood is 125th of 169 on return on assets, 1.01% as of Q3 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. The State Bank of Wynnewood sits 0.25 points lower, at 1.01% (Q3 2026); the peer median is as of Q2 2026.
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 16.15% |
| Equity capital to assets | 13.22% |
| Tangible equity to tangible assets | 13.22% |
Asset quality
| Line item | Q3 2026 |
|---|---|
| Non-performing loans to loans | 0.09% |
| Non-performing assets ratio | 0.04% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.29% |
| Allowance for credit losses to loans | 1.35% |
| Reserve coverage of non-performing loans | 1527.91% |
Earnings
| Line item | Q3 2026 |
|---|---|
| Return on assets | 1.01% |
| Return on equity | 7.77% |
| Net interest margin | 3.13% |
| Efficiency ratio | 64.21% |
| Yield on earning assets | 4.61% |
| Cost of funds | 1.77% |
Liquidity and funding
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 51.77% |
| Core deposits to total deposits | 80.82% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.39% |
| Securities to assets | 31.65% |
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 |
|---|---|---|---|---|---|
| Q4 2023 | 15.12% | 0.74% | 2.71% | 0.17% | 0.03% |
| Q1 2024 | 14.86% | 0.69% | 2.55% | 0.16% | 0.00% |
| Q2 2024 | 14.38% | 0.79% | 2.49% | 0.15% | 0.00% |
| Q3 2024 | 14.47% | 0.77% | 2.62% | 0.14% | 0.00% |
| Q4 2024 | 14.75% | 0.53% | 2.76% | 0.14% | 0.00% |
| Q1 2025 | 14.42% | 0.90% | 2.85% | 0.14% | 0.00% |
| Q2 2025 | 14.74% | 0.92% | 2.99% | 0.13% | 0.02% |
| Q3 2025 | 15.28% | 1.05% | 3.19% | 0.09% | 0.00% |
| Q4 2025 | 15.55% | 0.96% | 3.20% | 0.10% | 0.00% |
| Q1 2026 | 15.89% | 2.87% | 3.10% | 0.09% | 0.02% |
| Q2 2026 | 15.63% | 1.17% | 3.12% | 0.09% | 0.00% |
| Q3 2026 | 16.15% | 1.01% | 3.13% | 0.09% | 0.00% |
The State Bank of Wynnewood vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The State Bank of Wynnewood, 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 The State Bank of Wynnewood profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4232) · FFIEC NIC profile (RSSD 952257)