BlastPoint's Banking Scorecard
Sovereign Bank
Designations: ✓ Community bank ✓ Minority Depository Institution
Shawnee, OK
9 branches across OK
Sovereign Bank has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 32.7% in tier
- + Nonperforming Asset Ratio 0.63% below tier average
- + Net Interest Margin 0.31% above tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 5.7% in tier
- - ROA 0.71% below tier average
- - Efficiency Ratio 16.44% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.4B
+15.4% YoY
+2.9% QoQ
|
-$1.4B |
$2.8B
-0.1% YoY
|
$1.2B
+6.7% YoY
|
$6.2B
+9.1% YoY
|
29% |
| Total Loans ? |
$1.1B
+14.5% YoY
+3.5% QoQ
|
-$873.1M |
$2.0B
+0.6% YoY
|
$822.6M
+7.2% YoY
|
$3.2B
+10.8% YoY
|
37% |
| Total Deposits ? |
$1.1B
+10.0% YoY
+1.6% QoQ
|
-$1.2B |
$2.3B
-0.3% YoY
|
$956.7M
+4.7% YoY
|
$4.8B
+8.2% YoY
|
26% |
| Return on Assets ? |
0.65%
-13.9% YoY
-15.2% QoQ
|
-0.71% |
1.37%
+19.6% YoY
|
1.34%
+7.6% YoY
|
1.23%
+13.4% YoY
|
Bottom 14.4% in tier |
| Net Interest Margin ? |
4.13%
-1.5% YoY
-3.7% QoQ
|
+0.31% |
3.82%
+6.9% YoY
|
4.25%
+2.4% YoY
|
3.89%
+5.7% YoY
|
77% |
| Efficiency Ratio ? |
77.50%
+1.9% YoY
+2.6% QoQ
|
+16.44% |
61.06%
-4.6% YoY
|
65.16%
-1.8% YoY
|
66.95%
-4.1% YoY
|
Bottom 10.9% in tier |
| Delinquency Rate ? |
0.05%
+91.9% QoQ
|
-0.84% |
0.89%
+14.1% YoY
|
1.61%
+16.3% YoY
|
0.95%
+18.8% YoY
|
Top 7.0% in tier |
| Loan-to-Deposit Ratio ? |
95.69%
+4.0% YoY
+1.9% QoQ
|
+11.48% |
84.20%
+0.3% YoY
|
73.83%
+1.6% YoY
|
76.70%
+0.9% YoY
|
23% |
| Non-Interest-Bearing Deposit Share ? |
11.34%
-5.9% YoY
+3.3% QoQ
|
-9.95% |
21.29%
-2.5% YoY
|
23.68%
-1.7% YoY
|
22.01%
-1.2% YoY
|
15% |
| Nonperforming Asset Ratio ? |
0.04%
+93.1% QoQ
|
-0.63% |
0.67%
+15.6% YoY
|
1.12%
+15.3% YoY
|
0.67%
+19.3% YoY
|
Top 7.6% in tier |
| Tier 1 Capital Ratio ? |
10.58%
+2.3% YoY
-2.1% QoQ
|
-4.58% |
15.16%
+2.0% YoY
|
14.36%
-1.8% YoY
|
17.06%
+0.8% YoY
|
Bottom 10.3% in tier |
| Non-Interest Income / Assets ? |
0.05%
-22.4% YoY
-71.2% QoQ
|
-0.21% |
0.26%
+1.6% YoY
|
0.15%
-5.6% YoY
|
0.32%
+4.1% YoY
|
Bottom 10.2% in tier |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (1)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.