Sooner State Bank: how it compares with its peers
Against 70 OK banks with half to twice its assets, Sooner State Bank's strongest measure in Q2 2026 is return on assets (2.06% vs. a 1.42% peer median). Its weakest relative measure is assets per employee ($5.2M vs. $6.4M).
| Measure | Sooner State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.06% | 1.42% | Top third Ahead of 83% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.93% | 4.19% | Top third Ahead of 83% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 54.40% | 62.17% | Top third Ahead of 73% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.2M | $6.4M | Bottom third Ahead of 30% of peers |
| Loans to deposits Net loans and leases over total deposits. | 73.79% | 76.11% | Context |
What it means for lending operations
Its efficiency ratio of 54.40% is better than the 62.17% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Frazer Bank Altus, OK · $354M
- Citizens Bank of Ada Ada, OK · $354M
- The Pauls Valley National Bank Pauls Valley, OK · $357M
- Cowboy Bank Kremlin, OK · $350M
- The First Security Bank Beaver, OK · $335M
- Bank of Commerce Duncan, OK · $334M
Questions about Sooner State Bank
How big is Sooner State Bank?
Sooner State Bank, established in 1903, is headquartered in Tuttle, OK. It reported $355M in total assets in its Q2 2026 FDIC call report and operates 7 offices.
What is Sooner State Bank's return on assets?
2.06% annualized in Q2 2026, against a 1.42% median for 70 OK banks with half to twice its assets, ahead of 83% of them.
What is Sooner State Bank's efficiency ratio?
54.40% in Q2 2026: it spent about 54 cents in noninterest expense for each dollar of revenue. The peer median is 62.17%, and lower is better.
Is Sooner State Bank growing its loans?
Net loans grew 7.3% over the year to Q2 2026, while deposits grew 12.5%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are OK banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Oklahoma bank ranked.