# SOVEREIGN BANK
SHAWNEE, OK · FDIC certificate 25738 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.47B | |
| Deposits | $1.19B | |
| Loans and leases | $1.21B | |
| Total equity | $156.8M | |
| Loans / deposits | 99.69% (p85 of band) | 87.10% |
| Liquid assets / assets | 14.39% (p20 of band) | |
| Uninsured deposits / deposits | 44.78% (p82 of band) | 30.76% |
| Brokered deposits | 3.39% | |
| Wholesale funding | 11.34% (p70 of band) | |
| FHLB advances / assets | 7.95% | |
| Tier 1 leverage | 10.29% (p45 of band) | 10.50% |
| Unrealized securities loss / equity | -2.36% (p78 of band) | -7.75% |
| AOCI / equity | -0.85% (p22 of band) | |
| ROA (annualized) | 0.63% (p12 of band) | 1.26% |
| Net interest margin | 4.22% (p78 of band) | 3.70% |
| Efficiency ratio | 75.36% (p88 of band) | |
| Noncurrent loans | 0.06% (p10 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p14 of band) | |
| Reserve coverage of noncurrent | 2377.37% | |
| Real estate % of loans | 73% | |
| Construction % of loans | 115.25% (p93 of band) | |
| Auto loans | $1.2M (0.10% of loans; DQ 0.34%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 12.3% | |
| Employees | 180 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 0 |  | reserve under noncurrent |
| 2012-03 | 0 |  |  |
| 2012-06 | 1 | capital falling |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 | reserve under noncurrent | capital falling |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 0 |  | reserve under noncurrent |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | capital falling |  |
| 2014-09 | 0 |  | capital falling |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | charge-offs p90 |  |
| 2015-06 | 2 | capital falling |  |
| 2015-09 | 0 |  | charge-offs p90, capital falling |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | uninsured deposits >50% |  |
| 2016-06 | 3 | charge-offs p90, reserve under noncurrent |  |
| 2016-09 | 4 | expense ratio p90, deposits shrinking, assets shrinking | uninsured deposits >50%, charge-offs p90 |
| 2016-12 | 2 | uninsured deposits >50% | expense ratio p90, deposits shrinking, assets shrinking |
| 2017-03 | 3 | deposits shrinking, assets shrinking | reserve under noncurrent |
| 2017-06 | 3 | expense ratio p90, reserve under noncurrent | deposits shrinking, assets shrinking |
| 2017-09 | 2 | deposits shrinking | uninsured deposits >50%, reserve under noncurrent |
| 2017-12 | 4 | assets shrinking, uninsured deposits leaving |  |
| 2018-03 | 4 |  |  |
| 2018-06 | 4 |  |  |
| 2018-09 | 3 | uninsured deposits >50%, reserve under noncurrent | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2018-12 | 3 | capital falling | reserve under noncurrent |
| 2019-03 | 1 |  | expense ratio p90, capital falling |
| 2019-06 | 1 |  |  |
| 2019-09 | 3 | capital falling, expense ratio p90 |  |
| 2019-12 | 2 | reserve under noncurrent | uninsured deposits >50%, capital falling |
| 2020-03 | 2 | deposits shrinking | expense ratio p90 |
| 2020-06 | 2 | uninsured deposits >50%, expense ratio p90 | reserve under noncurrent, deposits shrinking |
| 2020-09 | 3 | capital falling |  |
| 2020-12 | 4 | noncurrent p90, reserve under noncurrent | capital falling |
| 2021-03 | 4 |  |  |
| 2021-06 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving | uninsured deposits >50%, noncurrent p90 |
| 2021-09 | 3 | capital falling | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2021-12 | 2 | charge-offs p90 | reserve under noncurrent, capital falling |
| 2022-03 | 2 | construction >100% equity | charge-offs p90 |
| 2022-06 | 2 | uninsured deposits >50%, run vulnerability | expense ratio p90, construction >100% equity |
| 2022-09 | 4 | expense ratio p90, charge-offs p90, construction >100% equity | run vulnerability |
| 2022-12 | 5 | capital falling |  |
| 2023-03 | 3 |  | expense ratio p90, charge-offs p90 |
| 2023-06 | 0 |  | uninsured deposits >50%, construction >100% equity, capital falling |
| 2023-09 | 1 | construction >100% equity |  |
| 2023-12 | 2 | capital falling |  |
| 2024-03 | 3 | uninsured deposits leaving |  |
| 2024-06 | 2 |  | uninsured deposits leaving |
| 2024-09 | 1 |  | capital falling |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 0 |  | construction >100% equity |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | construction >100% equity |  |
| 2026-06 | 2 | capital falling |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-01 [Sovereign Bank acquires First National Bank in Marlow - Duncan Banner](https://news.google.com/rss/articles/CBMi2gFBVV95cUxNaXREcWlfeElobHRTbk1wNHBtd3dUZXFsWTdLd2ZEbG5DYkhLWTdCU3ZTaURPYnJLeXVpWmp1RFJTSHJ2ZTNXdXl3OFdGNjd6OV9tbVRXWWlxdnpVUUxBd2VzN2NRenJueGFGQkxhUnNfYm1oMnllRE9YcGk4TEJ2ZWhCXzJSdFl5RUZRbmxBcWxLZDVFNUEtOExUTnN3QjFfbWtaVndaNERnVVNKdG9xUExoNS1mVnJyZ0ttY0VCZmFySE5rRDRwWGV3RkM1aU56aUFLbGlLUjdvdw?oc=5) · Duncan Banner
- 2026-06-25 [Sovereign Bank acquires Marlow bank | News | swoknews.com - The Lawton Constitution](https://news.google.com/rss/articles/CBMitgFBVV95cUxOWHRKdDQ5N0luMHZzZHhhYXdpZGI2b2lnLXBaNzlnZXVDbG9yeC1CMnkxOUtqeFpVdTRUNWNfSVR4VU5neEI0eGd4T0RCVWM4Q09sblR1UWxWMWJtc2phNTN1b2p6OEh6ZWlMY1J4Z1RzVVRUZDh4dzhpZjNYQjJXVVdQSG5jaThDVGgya2VaQVNTUk16V0lLNEhrWllUdmR3SC1GYWJwUHluanU1Y3ZSa18xeW8zQQ?oc=5) · The Lawton Constitution
- 2025-11-03 [Sovereign Bank opens new full-service branch in Edmond - journalrecord.com](https://news.google.com/rss/articles/CBMifEFVX3lxTE5nT2JpMFZDSDFjYUtZOGZ2YlNMT05na3FDaEdZWWNkdHhCYklyQW1FTnNPY3ZmOThrOWIwSVlkNWpSXzRwQmMtVlJIZ2g4dnFnNU41LTdXZHZUTXdKeVRvWm9SRHN4eFBCbV9VRHJMeDFRUnFUMW42M1Q2N0w?oc=5) · journalrecord.com
- 2024-12-03 [Sovereign Bank breaks ground in Edmond, plans to open summer 2025 - The Oklahoman](https://news.google.com/rss/articles/CBMiywFBVV95cUxQcVFSbm9xRUgxX0hqb1p6M0w2dnhFeW05Z0FvNklEcXUySkNRVHcyZ2I2TmtYOHZhQzNYa2V4eE9BdE9NalZVYjZ5V3Q3ME1aYWlydjlTSV92NjFDMHk3WWY4cGR6Rkl0cmZtcTFFZVQwY21YSWp6YWpQdkF2MUhYcnJnWXEwV19nQzFMV0ZTTF9OSXIzUnh0U0hiUVVHRFFmMnJzZ2NwTVdqRm85b3FRRFh3SDlUcW1GTVVURXlMNVpROGFoX242QkdMNA?oc=5) · The Oklahoman
- 2025-05-24 [Native banks deliver outsized impact despite undercapitalization, new National Bankers Association report finds - Tribal Business News](https://news.google.com/rss/articles/CBMi0AFBVV95cUxOQUJNSWltdWZfM1h0WFFTc2VrQkx0aUs5TVhXMUJ5dmdnRG1tbnFoYlZZV2Q5a2ZLdEV3eTJTSWFkTDNZQTRqQm9NR0owVTVSRC1ZX0VwOXR2Y0k1MUc0WlBidlhuNm9NRHBXOFJzTXlycTJtdS1ZSndoN2tlNkcwR3NXNWxQRHNMeEJXS25TQ2VGcXp3U2MwdENTWUluejdSaXFFS3g2MjJmclVWLU1HdWxBWkFYelBLbzRBNENlWFlLT2NuTUEydHdoQ0RJTm9v?oc=5) · Tribal Business News
- 2026-06-30 [Five Oklahoma tribes awarded $1.6 million in housing grant for repairs, new construction - oklahomavoice.com](https://news.google.com/rss/articles/CBMiwgFBVV95cUxOUTFWWmpOZndhbGJ5WWNjYlRFSEFpZlFmX3g1SVN3RXF4Z3kzRXVDelAtdnVjdDB4YU9CNkJidE9HekdwaEk2U0xWSzk4eUFZTld2M0VCUUtla3VQQ2ZuSG9IQnVjRzR4WWVYVmRPSG9JMUZ0SXV1cUtjTGFsRUZwYjBlSG9DTkZHVWJWMUxjUjlJanNwNzVmRVNnd3Q4VzRjLTFWMEJaa2k3U0lzbkc3RFlIdjRGQkdpX21xRWxaUk9FZw?oc=5) · oklahomavoice.com
- 2023-11-27 [Citizen Potawatomi Nation purchases iconic Union Plaza Building in Oklahoma City, marking a new era for Sovereign Bank - KOKH](https://news.google.com/rss/articles/CBMiygJBVV95cUxPNlVZMXBLRXFUUm1RajRvRjY0Nnk1WDVtM3piLS03dDFFZzhRdzQ1Sy02eS1hbmQ1N0k1NDhPa3MwRWNURFFPaFh3Uy1HQ0xfR0pGVmc4RXZLcnV1b2R5b1hhcWZuYUpLdnRIalg5ZkFLekxSXzBoaUUwb05wWDZKT2pUSk5NcHYwWGFjY0tTMlFkZjA1M0ZYVEhROTQtMU1MZS1Yd1djWjU3dEt3c19FRHFVdnRoRUdoV2JiU1RWMGtqLTd5c0lrUkxGUTZZaDIzYjhDam5OLWtoYWl1dkNBRjJHelZ1bkEtYUh5Vndoc3FLMDlYdlgzdjZyeDM5T2xhT2pfZEFGcEdrR2xRc2NUYldFejE0ZFh6Q1JFUTMtMkpEb0ZielcwRkNENDNpQ01Wbl9fbnphWG9oTmhtY0piMjBjS2Z4Q0FRTUE?oc=5) · KOKH
- 2026-07-01 [Five Oklahoma Tribal Entities Awarded $1.6 Million for Housing - Native News Online](https://news.google.com/rss/articles/CBMiogFBVV95cUxNWHY0Wk1rblIyZmM0VnNPR2owbVZ6S0d6VkVzeTRpek5vQXR4cjVrN3FYOXEyNWMwZXZSNzlxZzFMTEFTX0dWYVVBcXQ4eEpTNGx4QVdKMkxRcWZLQkIxU1RYeEplTFAxR2dJQjZZZDZXLXMtVnpBNGJFMll1b2EyVXEyTE8wR1hqdVdLS0pJZi1XSC01Tm05LVlCUUxEclNIX1E?oc=5) · Native News Online

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=25738 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/10.json (key "25738", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide