Shawnee, OK · Cert 25738 · Sovereign Bcorp Inc.
State charter, Fed member · FED · 9 branches
Q2 2026
Market Position · Oklahoma City, OK · 2026 SOD (annual) · 0.7% share · #27 of 71 inst. · $0.4B of $60.8B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.56% | 0.54% | 0.76% | 0.80% | 0.80% | 0.77% | 0.65% | 0.63% | -17 bps | |
| Return on Equity | 5.14% | 5.02% | 7.17% | 7.46% | 7.33% | 6.98% | 5.80% | 5.75% | -171 bps | |
| Net Interest Margin | 4.27% | 4.16% | 4.16% | 4.12% | 4.10% | 4.00% | 4.03% | 4.04% | -7 bps | |
| Efficiency Ratio | 78.42% | 78.71% | 76.06% | 73.79% | 73.67% | 75.50% | 77.50% | 75.36% | +157 bps | |
| Non-Interest Burden | 3.25% | 3.18% | 3.05% | 2.94% | 2.93% | 2.94% | 3.03% | 2.96% | +3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 19.59% | 24.94% | 19.88% | 17.93% | 19.32% | 13.06% | 15.43% | 13.78% | -415 bps | |
| Loan Growth (YoY) | 21.01% | 23.53% | 19.66% | 16.08% | 17.38% | 14.66% | 14.39% | 20.41% | +433 bps | |
| Deposit Growth (YoY) | 14.14% | 27.67% | 24.89% | 20.29% | 20.49% | 8.81% | 10.03% | 12.27% | -801 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.03% | 0.05% | 0.06% | +6 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.02% | 0.00% | 0.01% | 0.01% | 0.01% | 0.00% | 0.00% | -1 bps | |
| Allowance / Loans | 1.41% | 1.45% | 1.41% | 1.38% | 1.38% | 1.36% | 1.35% | 1.35% | -3 bps | |
| Allowance Coverage of NPLs | 955.8x | 328.9x | 309.6x | n/a | 280.2x | 50.4x | 26.1x | 23.8x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.18% | 10.14% | 10.34% | 10.72% | 10.79% | 10.81% | 10.58% | 10.29% | -43 bps | |
| Total Risk-Based Capital | 10.18% | 10.14% | 10.34% | 10.72% | 10.79% | 10.81% | 10.58% | 10.29% | -43 bps | |
| Equity / Assets | 10.95% | 10.21% | 10.89% | 11.05% | 11.38% | 11.33% | 11.14% | 10.64% | -41 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 99.32% | 90.36% | 93.30% | 94.22% | 96.76% | 95.22% | 96.99% | 101.05% | +683 bps | |
| Liquid Assets / Assets | 4.47% | 0.41% | 0.33% | 0.33% | 0.56% | 0.56% | 0.52% | 0.41% | +8 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 433% | 434% | 446% | n/a | n/a | |