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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Wynnewood, OK · FDIC certificate #4232
STATE BANK OF WYNNEWOOD is an FDIC-insured institution based in Wynnewood, OK (FDIC certificate #4232). In its Q3 2026 Call Report it reported total assets of $109M, total deposits of $94M and net loans of $48M. Its primary federal regulator is FDIC.
Plain-language readout
STATE BANK OF WYNNEWOOD has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $114M in Q1 2026 and were lowest at $109M in Q3 2026.
Total deposits were highest at $99M in Q1 2026 and lowest at $94M in Q3 2026.
Over the whole period total assets fell 4.7%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $109M | $94M | $48M | 1.76% | 12.94% | 3.15% |
| Q2 2026 | $111M | $96M | $50M | 2.11% | 15.38% | 3.14% |
| Q1 2026 | $114M | $99M | $49M | 3.00% | 21.87% | 3.10% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $23.6M | $25.0M | -$1.4M | -5.6% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| 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) | $37.0M | $38.4M | -$1.4M | -3.7% |
| 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) | $49.7M | $48.8M | +$818K | +1.7% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $89K | $90K | -$1K | -1.1% |
| 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) | $0K | $0K | $0K | n/a |
| All other assets | $1.1M | $1.7M | -$614K | -36.5% |
| Total assets | $111.4M | $114.0M | -$2.6M | -2.3% |
| Liabilities | ||||
| Total deposits | $95.8M | $98.6M | -$2.8M | -2.8% |
| 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 | $392K | $341K | +$51K | +15.0% |
| Total liabilities | $96.2M | $98.9M | -$2.7M | -2.8% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $150K | $150K | $0K | 0.0% |
| Surplus | $1.7M | $1.7M | $0K | 0.0% |
| Retained earnings | $16.4M | $16.1M | +$265K | +1.6% |
| Accumulated other comprehensive income | -$3.0M | -$2.8M | -$174K | -6.1% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $15.2M | $15.1M | +$91K | +0.6% |
| Credit and capital | ||||
| Gross nonperforming assets | $0K | $0K | $0K | n/a |
| Adjusted nonperforming assets | $0K | $0K | $0K | n/a |
| Tangible equity plus allowance | $15.8M | $15.7M | +$91K | +0.6% |
| Texas ratio (gross) | 0.00% | 0.00% | 0.00 pts | See points |
| Texas ratio (adjusted) | 0.00% | 0.00% | 0.00 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 0.28% | 0.27% | +0.01 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) | 15.63% | 15.89% | -0.26 pts | See points |
| Construction and land loans to total capital | 0.00% | 0.00% | 0.00 pts | See points |
| Commercial real estate to total capital | 21.92% | 22.75% | -0.83 pts | See points |
| Dividend payout, year to date | 34.87% | 40.22% | -5.35 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -16.54% | -15.81% | -0.73 pts | See points |
| Liquidity | ||||
| Core deposits | $76.9M | $79.9M | -$3.0M | -3.8% |
| Non-core funding | $18.9M | $18.7M | +$235K | +1.3% |
| Loans to core deposits | 65.47% | 61.97% | +3.50 pts | See points |
| Loans to deposits | 52.52% | 50.21% | +2.31 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 66.20% | 62.64% | +3.56 pts | See points |
| Loans pledged, share of loans | 20.57% | 19.94% | +0.62 pts | See points |
| Volatile liabilities | $18.9M | $18.7M | +$235K | +1.3% |
| Earnings | ||||
| Earnings before provision, year to date | $1.1M | $808K | +$341K | +42.2% |
| Earnings before provision, single quarter | $341K | $808K | -$467K | -57.8% |
| Provision for credit losses, year to date | $0K | $0K | $0K | n/a |
| Yield and cost | ||||
| Yield on loans and leases | 6.60% | 6.56% | +0.04 pts | See points |
| Yield on interest-bearing balances due from banks | 3.62% | 3.57% | +0.05 pts | See points |
| Total interest income to average assets | 4.39% | 4.31% | +0.09 pts | See points |
| Cost of interest-bearing transaction accounts | 1.10% | 1.04% | +0.06 pts | See points |
| Cost of savings and money market deposits | 1.36% | 1.34% | +0.03 pts | See points |
| Cost of time deposits | 3.20% | 3.19% | +0.01 pts | See points |
| Total interest expense to average assets | 1.46% | 1.47% | -0.00 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 | $109M | $94M | $48M | 1.76% | 12.94% | 3.15% |
| 2026-06-30 | $111M | $96M | $50M | 2.11% | 15.38% | 3.14% |
| 2026-03-31 | $114M | $99M | $49M | 3.00% | 21.87% | 3.10% |
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 | $97.7M | 0.07% | 142 | 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.