SNB Bank, National Association: how it compares with its peers
Against 58 OK banks with half to twice its assets, SNB Bank, National Association's strongest measure in Q2 2026 is assets per employee ($5.9M vs. a $6.1M peer median). Its weakest relative measure is efficiency ratio (98.01% vs. 58.70%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.01% | 1.48% | Bottom third Ahead of 3% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.94% | 4.38% | Bottom third Ahead of 29% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 98.01% | 58.70% | Bottom third Ahead of 2% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.9M | $6.1M | Middle third Ahead of 43% of peers |
| Loans to deposits Net loans and leases over total deposits. | 81.17% | 73.10% | Context |
What it means for lending operations
Its efficiency ratio of 98.01% is above the 58.70% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- SSB Bank Spiro, OK · $130M
- FNB Coweta Coweta, OK · $128M
- ACB Bank Cherokee, OK · $135M
- Cleo State Bank Cleo Springs, OK · $123M
- COREBANK Waynoka, OK · $122M
- The First Bank of Okarche Okarche, OK · $137M
Questions about SNB Bank, National Association
How big is SNB Bank, National Association?
SNB Bank, National Association, established in 1909, is headquartered in Shattuck, OK. It reported $129M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is SNB Bank, National Association's return on assets?
0.01% annualized in Q2 2026, against a 1.48% median for 58 OK banks with half to twice its assets, ahead of 3% of them.
What is SNB Bank, National Association's efficiency ratio?
98.01% in Q2 2026: it spent about 98 cents in noninterest expense for each dollar of revenue. The peer median is 58.70%, and lower is better.
Is SNB Bank, National Association growing its loans?
Net loans shrank 12.5% over the year to Q2 2026, while deposits shrank 12.1%.
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.