BlastPoint's Banking Scorecard
Sovereign Bank
Community
Specialty: Commercial
OK
FDIC cert 25738
Shawnee, OK
1484
banks in Community tier nationally
45 in OK
View Community leaderboard (OK) →
Sovereign Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 32% in Community
- + Nonperforming Asset Ratio 0.48% below tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 3% in Community
- - NIB Deposit Bleed: Bottom 45% in Community
- - Non-Interest Income / Assets 0.57% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.4B
+13.1% YoY
+3.4% QoQ
|
-$31.3M |
$1.4B
+2.0% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
65% |
| Total Loans ? |
$1.1B
+14.8% YoY
+3.5% QoQ
|
+$79.3M |
$975.5M
+2.4% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
70% |
| Total Deposits ? |
$1.1B
+8.8% YoY
+5.2% QoQ
|
-$41.7M |
$1.2B
+1.7% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
64% |
| Return on Assets ? |
0.77%
+41.4% YoY
-3.9% QoQ
|
-0.40% |
1.16%
+17.2% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
22% |
| Net Interest Margin ? |
4.29%
-4.2% YoY
-1.0% QoQ
|
+0.62% |
3.66%
+9.1% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
81% |
| Efficiency Ratio ? |
75.50%
-4.1% YoY
+2.5% QoQ
|
+12.87% |
62.63%
-5.3% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
17% |
| Delinquency Rate ? |
0.03%
+512.1% YoY
+445.5% QoQ
|
-0.60% |
0.63%
+18.3% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
Top 9% in tier |
| Loan-to-Deposit Ratio ? |
93.93%
+5.5% YoY
-1.6% QoQ
|
+10.87% |
83.06%
+0.3% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
75% |
| Non-Interest-Bearing Deposit Share ? |
10.98%
-18.4% YoY
-9.1% QoQ
|
-10.07% |
21.05%
-0.9% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
Bottom 12% in tier |
| Nonperforming Asset Ratio ? |
0.02%
-42.5% YoY
+446.3% QoQ
|
-0.48% |
0.50%
+20.3% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
Top 9% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
7.74%
-5.6% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.17%
+0.3% YoY
+28.9% QoQ
|
-0.57% |
0.74%
-1.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
Bottom 9% in tier |
Signature Analysis
Strengths (2)
Credit Quality Leader
growth
#121 of 371 · Top 32% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.03%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Nonperforming Asset Ratio
metric
Top 9%
in Community
Why this stands out
Current:
0.02%
(Tier avg: 0.50%, National avg: 0.48%)
Concerns (3)
Credit Quality Pressure
risk
#25 of 808 · Bottom 3% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.03%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank declining
NIB Deposit Bleed
decline
#41 of 89 · Bottom 45% in Community
Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Why this signature
Noninterest-Bearing Deposit Share:
10.98%
(Tier: 21.05%, National: 21.79%)
89 of 89 Community banks match
·
98 nationally
→ Stable
-10 banks QoQ
Non-Interest Income / Assets
metric
Bottom 9%
in Community
Why this stands out
Current:
0.17%
(Tier avg: 0.74%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
91
91th pctile
Delinquency Rate
Current: 0.03% · Tier avg: 0.63%
91
91th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.50%
81
81th pctile
Net Interest Margin
Current: 4.29% · Tier avg: 3.66%
75
75th pctile
Loan-to-Deposit Ratio
Current: 93.93% · Tier avg: 83.06%
70
70th pctile
Total Loans
Current: $1.1B · Tier avg: $975.5M
65
65th pctile
Total Assets
Current: $1.4B · Tier avg: $1.4B
64
64th pctile
Total Deposits
Current: $1.1B · Tier avg: $1.2B
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
22
22th pctile
Return on Assets
Current: 0.77% · Tier avg: 1.16%
17
17th pctile
Efficiency Ratio
Current: 75.50% · Tier avg: 62.63%
12
12th pctile
Non-Interest-Bearing Deposit Share
Current: 10.98% · Tier avg: 21.05%
9
9th pctile
Non-Interest Income / Assets
Current: 0.17% · Tier avg: 0.74%
Top Weaknesses
9
9th pctile
Non-Interest Income / Assets
Current: 0.17% · Tier avg: 0.74%
12
12th pctile
Non-Interest-Bearing Deposit Share
Current: 10.98% · Tier avg: 21.05%
17
17th pctile
Efficiency Ratio
Current: 75.50% · Tier avg: 62.63%
22
22th pctile
Return on Assets
Current: 0.77% · Tier avg: 1.16%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
64
64th pctile
Total Deposits
Current: $1.1B · Tier avg: $1.2B
65
65th pctile
Total Assets
Current: $1.4B · Tier avg: $1.4B
70
70th pctile
Total Loans
Current: $1.1B · Tier avg: $975.5M
75
75th pctile
Loan-to-Deposit Ratio
Current: 93.93% · Tier avg: 83.06%
81
81th pctile
Net Interest Margin
Current: 4.29% · Tier avg: 3.66%
91
91th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.50%
91
91th pctile
Delinquency Rate
Current: 0.03% · Tier avg: 0.63%