Sovereign Bank
Shawnee, OK · Cert 25738 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Sovereign Bcorp Inc.
State charter, Fed member · FED · 9 branches
Q2 2026
$1.5BAssets
$1.2BLoans
$1.2BDeposits
$156.8MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 92% of banks $1B-$10B in assets operating in a single state (rank 22 of 258).
- Widest gap: return on equity trails 91% of banks $1B-$10B in assets operating in a single state (rank 235 of 258).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.61%
Rank 233 of 258
Net Interest Margin
4.04%
Rank 44 of 258
Efficiency Ratio
75.36%
Rank 225 of 257
Equity / Assets
10.64%
Rank 113 of 258
Non-interest income vs. expense
Unfavorable gap of $41.4M · efficiency ratio beats 13% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.61% | 0.93% | 1.23% | 1.54% | Beats 10% | 233 / 258 | |
| Return on Equity | 5.71% | 9.26% | 11.84% | 14.74% | Beats 9% | 235 / 258 | |
| Net Interest Margin | 4.04% | 3.16% | 3.49% | 3.88% | Beats 83% | 44 / 258 | |
| Efficiency Ratio | 75.36% | 51.71% | 60.30% | 69.65% | Beats 13% | 225 / 257 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.06% | 0.19% | 0.46% | 0.90% | Beats 92% | 22 / 258 | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.02% | 0.07% | Beats 85% | 40 / 258 | |
| Capital |
| Tier 1 Capital Ratio | 10.29% | 11.41% | 12.98% | 15.12% | Beats 12% | 228 / 258 | |
| Total Risk-Based Capital Ratio | 10.29% | 12.10% | 13.91% | 16.08% | Beats 10% | 231 / 258 | |
| Equity / Assets | 10.64% | 9.09% | 10.24% | 11.72% | Beats 56% | 113 / 258 | |
| Liquidity & Funding |
| Loans / Deposits | 101.05% | 73.24% | 86.34% | 95.95% | 85th pctl | 38 / 258 | |
| Loans / Assets | 81.86% | 63.01% | 72.27% | 78.40% | 86th pctl | 35 / 258 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |