| Metric | Sooner State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.1% | +4.4% | +6.7 pts |
| Deposit growth (YoY) | +12.6% | +4.0% | +8.6 pts |
| Loan growth (YoY) | +7.3% | +5.6% | +1.7 pts |
| ROA | 2.06% | 1.24% | +0.8 pts |
| ROE | 17.2% | 11.9% | +5.3 pts |
ROA ranks in the 88th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $354.6M | $311.0M | $229.5M | $41.6M | $3.5M | 2.06% | 4.93% | 0.22% |
| Q1 2026 | $339.3M | $296.0M | $228.7M | $41.6M | $1.7M | 2.08% | 5.00% | 0.21% |
| Q4 2025 | $331.1M | $284.2M | $227.7M | $40.0M | $6.4M | 1.99% | 4.93% | 0.68% |
| Q3 2025 | $326.4M | $280.7M | $217.9M | $38.8M | $4.8M | 2.00% | 4.90% | 0.89% |
| Q2 2025 | $319.4M | $276.3M | $213.8M | $36.3M | $3.2M | 2.02% | 4.88% | 0.00% |
| Q1 2025 | $320.6M | $277.9M | $200.7M | $36.1M | $1.5M | 1.97% | 4.79% | 0.00% |
| Q4 2024 | $304.2M | $269.2M | $189.6M | $33.5M | $5.6M | 1.83% | 4.51% | 0.01% |
| Q3 2024 | $309.8M | $272.8M | $181.8M | $35.1M | $4.1M | 1.80% | 4.48% | 0.00% |
Loan mix (Q2 2026): real estate $221.6M · commercial $5.3M · consumer $3.0M · securities $71.5M
| Ratio | Sooner State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.06% | 1.24% | 88th | |
Return on equity Annualized net income ÷ equity or net worth | 17.2% | 11.9% | 79th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.93% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.4% | 62.9% | 25th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Sooner State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Sooner State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Sooner State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Sooner State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Sooner State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
7 branches in 4 counties across 1 state (+0 vs 2024) · $276.3M branch deposits. Biggest market: Oklahoma, OK, ranked 48th with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Oklahoma, OK | 3 | $110.8M | 0.22% | 48th |
| Grady, OK | 1 | $74.5M | 5.19% | 6th |
| McClain, OK | 2 | $67.0M | 7.15% | 5th |
| 1 more county with Pro → | ||||
Oklahoma: 96th with 0.17% · Oklahoma City metro: 46th, 0.38% ·
Branch count: 2022 7 · 2023 7 · 2024 7 · 2025 7