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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Shattuck, OK · FDIC certificate #4196
SNB BANK NATIONAL ASSN is an FDIC-insured institution based in Shattuck, OK (FDIC certificate #4196). In its Q3 2026 Call Report it reported total assets of $140M, total deposits of $123M and net loans of $89M. Its primary federal regulator is OCC.
Plain-language readout
SNB BANK NATIONAL ASSN has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $140M in Q3 2026 and were lowest at $129M in Q1 2026.
Total deposits were highest at $123M in Q3 2026 and lowest at $110M in Q1 2026.
Over the whole period total assets rose 8.2%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $140M | $123M | $89M | 0.22% | 1.95% | 3.83% |
| Q2 2026 | $129M | $111M | $90M | 0.01% | 0.11% | 3.94% |
| Q1 2026 | $129M | $110M | $89M | 0.46% | 4.08% | 4.58% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $7.7M | $9.4M | -$1.7M | -18.2% |
| Federal funds sold | $977K | $2.9M | -$1.9M | -65.8% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $17.1M | $14.9M | +$2.2M | +14.6% |
| Equity securities with readily determinable fair values, not held for trading | $15K | $12K | +$3K | +25.0% |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $90.4M | $89.4M | +$933K | +1.0% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $3.6M | $3.5M | +$47K | +1.3% |
| Other real estate owned | $2.4M | $2.1M | +$322K | +15.2% |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $7.3M | $6.8M | +$511K | +7.6% |
| Total assets | $129.4M | $129.1M | +$395K | +0.3% |
| Liabilities | ||||
| Total deposits | $111.3M | $109.9M | +$1.4M | +1.3% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $2.7M | $3.1M | -$409K | -13.1% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $660K | $1.1M | -$390K | -37.1% |
| Total liabilities | $114.7M | $114.1M | +$623K | +0.5% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $250K | $250K | $0K | 0.0% |
| Surplus | $5.9M | $5.9M | $0K | 0.0% |
| Retained earnings | $9.1M | $9.3M | -$190K | -2.1% |
| Accumulated other comprehensive income | -$491K | -$453K | -$38K | -8.4% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $14.7M | $15.0M | -$228K | -1.5% |
| Credit and capital | ||||
| Gross nonperforming assets | $8.1M | $6.0M | +$2.2M | +36.7% |
| Adjusted nonperforming assets | $6.1M | $3.0M | +$3.1M | +102.8% |
| Tangible equity plus allowance | $16.4M | $16.6M | -$123K | -0.7% |
| Texas ratio (gross) | 49.51% | 35.96% | +13.56 pts | See points |
| Texas ratio (adjusted) | 37.34% | 18.27% | +19.07 pts | See points |
| Texas ratio (adjusted, with performing restructured) | Not reported | Not reported | Not reported | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 11.80% | 11.63% | +0.17 pts | See points |
| Construction and land loans to total capital | 1.21% | 2.75% | -1.54 pts | See points |
| Commercial real estate to total capital | 2.19% | 3.77% | -1.58 pts | See points |
| Dividend payout, year to date | 2375.00% | 94.77% | +2280.23 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -3.22% | -2.94% | -0.29 pts | See points |
| Liquidity | ||||
| Core deposits | $93.1M | $91.3M | +$1.9M | +2.0% |
| Non-core funding | $20.9M | $21.7M | -$843K | -3.9% |
| Loans to core deposits | 98.85% | 99.72% | -0.87 pts | See points |
| Loans to deposits | 82.70% | 82.82% | -0.13 pts | See points |
| Brokered deposits share of deposits | 7.65% | 8.26% | -0.62 pts | See points |
| Pledged securities share of securities | 18.43% | 22.53% | -4.10 pts | See points |
| Loans pledged, share of loans | 25.28% | 26.89% | -1.61 pts | See points |
| Volatile liabilities | $29.3M | $31.6M | -$2.3M | -7.4% |
| Earnings | ||||
| Earnings before provision, year to date | $67K | $215K | -$148K | -68.8% |
| Earnings before provision, single quarter | -$148K | $215K | -$363K | -168.8% |
| Provision for credit losses, year to date | $60K | $60K | $0K | 0.0% |
| Yield and cost | ||||
| Yield on loans and leases | 5.89% | 7.46% | -1.58 pts | See points |
| Yield on interest-bearing balances due from banks | 3.78% | 3.66% | +0.12 pts | See points |
| Total interest income to average assets | 4.92% | 6.22% | -1.29 pts | See points |
| Cost of interest-bearing transaction accounts | 0.57% | 0.61% | -0.04 pts | See points |
| Cost of savings and money market deposits | 1.17% | 0.81% | +0.36 pts | See points |
| Cost of time deposits | 3.62% | 3.73% | -0.12 pts | See points |
| Total interest expense to average assets | 1.94% | 2.07% | -0.13 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $140M | $123M | $89M | 0.22% | 1.95% | 3.83% |
| 2026-06-30 | $129M | $111M | $90M | 0.01% | 0.11% | 3.94% |
| 2026-03-31 | $129M | $110M | $89M | 0.46% | 4.08% | 4.58% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| OK | $106.5M | 0.08% | 138 | Continuing · +0.00 pp |
| TX | $20.2M | 0.00% | 454 | Continuing · +0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.