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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Tuttle, OK · FDIC certificate #402
SOONER STATE BANK is an FDIC-insured institution based in Tuttle, OK (FDIC certificate #402). In its Q3 2026 Call Report it reported total assets of $357M, total deposits of $309M and net loans of $253M. Its primary federal regulator is FDIC.
Plain-language readout
SOONER STATE BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $357M in Q3 2026 and were lowest at $339M in Q1 2026.
Total deposits were highest at $311M in Q2 2026 and lowest at $296M in Q1 2026.
Over the whole period total assets rose 5.2%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $357M | $309M | $253M | 2.15% | 18.15% | 5.03% |
| Q2 2026 | $355M | $311M | $229M | 2.06% | 17.16% | 4.93% |
| Q1 2026 | $339M | $296M | $229M | 2.08% | 17.06% | 5.00% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $14.4M | $10.1M | +$4.3M | +43.2% |
| Federal funds sold | $26.1M | $17.9M | +$8.1M | +45.5% |
| 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) | $71.5M | $69.5M | +$2.0M | +2.8% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $229.5M | $228.7M | +$762K | +0.3% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $3.7M | $3.6M | +$68K | +1.9% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| 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) | $66K | $73K | -$7K | -9.6% |
| All other assets | $9.5M | $9.4M | +$57K | +0.6% |
| Total assets | $354.6M | $339.3M | +$15.3M | +4.5% |
| Liabilities | ||||
| Total deposits | $311.0M | $296.0M | +$15.0M | +5.1% |
| 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 | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $2.1M | $1.8M | +$317K | +17.8% |
| Total liabilities | $313.1M | $297.7M | +$15.3M | +5.1% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $200K | $200K | $0K | 0.0% |
| Surplus | $1.9M | $1.9M | $0K | 0.0% |
| Retained earnings | $42.1M | $41.9M | +$259K | +0.6% |
| Accumulated other comprehensive income | -$2.6M | -$2.4M | -$229K | -9.6% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $41.6M | $41.6M | +$30K | +0.1% |
| Credit and capital | ||||
| Gross nonperforming assets | $769K | $706K | +$63K | +8.9% |
| Adjusted nonperforming assets | $769K | $706K | +$63K | +8.9% |
| Tangible equity plus allowance | $44.8M | $44.6M | +$184K | +0.4% |
| Texas ratio (gross) | 1.72% | 1.58% | +0.13 pts | See points |
| Texas ratio (adjusted) | 1.72% | 1.58% | +0.13 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 3.44% | 1.58% | +1.86 pts | 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) | 12.75% | 13.08% | -0.33 pts | See points |
| Construction and land loans to total capital | 119.34% | 116.55% | +2.79 pts | See points |
| Commercial real estate to total capital | 225.08% | 219.27% | +5.81 pts | See points |
| Dividend payout, year to date | 43.25% | 0.00% | +43.25 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -5.90% | -5.42% | -0.49 pts | See points |
| Liquidity | ||||
| Core deposits | $282.1M | $276.0M | +$6.1M | +2.2% |
| Non-core funding | $28.9M | $20.0M | +$8.9M | +44.7% |
| Loans to core deposits | 82.50% | 83.99% | -1.49 pts | See points |
| Loans to deposits | 74.84% | 78.32% | -3.49 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 52.36% | 49.43% | +2.92 pts | See points |
| Loans pledged, share of loans | 29.87% | 28.90% | +0.96 pts | See points |
| Volatile liabilities | $28.9M | $20.0M | +$8.9M | +44.7% |
| Earnings | ||||
| Earnings before provision, year to date | $3.9M | $1.9M | +$1.9M | +99.3% |
| Earnings before provision, single quarter | $1.9M | $1.9M | -$13K | -0.7% |
| Provision for credit losses, year to date | $356K | $206K | +$150K | +72.8% |
| Yield and cost | ||||
| Yield on loans and leases | 7.79% | 7.84% | -0.05 pts | See points |
| Yield on interest-bearing balances due from banks | 3.69% | 3.48% | +0.21 pts | See points |
| Total interest income to average assets | 6.25% | 6.33% | -0.07 pts | See points |
| Cost of interest-bearing transaction accounts | 2.26% | 2.06% | +0.20 pts | See points |
| Cost of savings and money market deposits | 1.68% | 1.64% | +0.04 pts | See points |
| Cost of time deposits | 3.56% | 3.66% | -0.10 pts | See points |
| Total interest expense to average assets | 1.61% | 1.60% | +0.01 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 | $357M | $309M | $253M | 2.15% | 18.15% | 5.03% |
| 2026-06-30 | $355M | $311M | $229M | 2.06% | 17.16% | 4.93% |
| 2026-03-31 | $339M | $296M | $229M | 2.08% | 17.06% | 5.00% |
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 | $276.3M | 0.20% | 86 | 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.