BlastPoint's Banking Scorecard

Sovereign Bank

$1B-$10B Specialty: Commercial OK FDIC cert 25738

Designations: ✓ Community bank ✓ Minority Depository Institution

Shawnee, OK

9 branches across OK

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 21 in OK.
Deposits +12.3% year over year ($1.2B on the books).
Delinquency rate 0.06%.
Return on assets 0.63%.
Efficiency ratio 75.36% vs a 59.73% peer average.
Loan-to-deposit ratio 99.69% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 21 in OK

View $1B-$10B leaderboard (OK) →

Sovereign Bank has 3 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Credit Quality Leader: Top 29.0% in tier
+ Nonperforming Asset Ratio 0.63% below tier average
+ Net Interest Margin 0.35% above tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 7.3% in tier
- Non-Interest Income / Assets 0.44% below tier average
- ROA 0.76% below tier average
- Efficiency Ratio 15.64% above tier average

Get updates when Sovereign Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Total Assets ?	$1.5B +13.8% YoY +5.4% QoQ	-$1.3B	$2.8B -0.6% YoY	$1.3B +6.0% YoY	$6.3B +7.7% YoY	33%
Total Loans ?	$1.2B +20.4% YoY +9.1% QoQ	-$772.4M	$2.0B -0.3% YoY	$835.5M +7.1% YoY	$3.2B +9.4% YoY	42%
Total Deposits ?	$1.2B +12.3% YoY +4.7% QoQ	-$1.1B	$2.3B -0.5% YoY	$967.8M +5.8% YoY	$4.9B +7.3% YoY	30%
Return on Assets ?	0.63% -20.7% YoY -2.6% QoQ	-0.76%	1.39% +17.0% YoY	1.35% +7.7% YoY	1.30% +12.1% YoY	Bottom 11.1% in tier
Net Interest Margin ?	4.22% -1.9% YoY +2.1% QoQ	+0.35%	3.87% +6.2% YoY	4.27% +1.9% YoY	3.95% +4.9% YoY	78%
Efficiency Ratio ?	75.36% +2.1% YoY -2.8% QoQ	+15.64%	59.73% -12.6% YoY	64.81% -3.0% YoY	70.05% +2.5% YoY	Bottom 11.8% in tier
Delinquency Rate ?	0.06% +9.8% QoQ	-0.81%	0.87% +11.7% YoY	1.78% +23.7% YoY	0.98% +16.3% YoY	Top 8.7% in tier
Loan-to-Deposit Ratio ?	99.69% +7.3% YoY +4.2% QoQ	+14.65%	85.04% -0.1% YoY	74.14% +1.3% YoY	79.03% +2.3% YoY	15%
Non-Interest-Bearing Deposit Share ?	11.14% -2.8% YoY -1.8% QoQ	-10.13%	21.27% -1.5% YoY	23.91% -1.8% YoY	21.98% -0.6% YoY	Bottom 13.3% in tier
Nonperforming Asset Ratio ?	0.05% +13.6% QoQ	-0.63%	0.67% +11.7% YoY	1.24% +23.1% YoY	0.69% +15.8% YoY	Top 8.7% in tier
Tier 1 Capital Ratio ?	10.29% -4.0% YoY -2.7% QoQ	-4.55%	14.84% -0.4% YoY	14.18% -3.9% YoY	17.09% +0.8% YoY	Bottom 8.5% in tier
Non-Interest Income / Assets ?	0.08% -15.2% YoY +67.6% QoQ	-0.44%	0.53% +2.5% YoY	0.31% -11.7% YoY	0.66% +5.2% YoY	Bottom 7.1% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Noninterest-Bearing	11.1% -0.3pp YoY -0.2pp QoQ	-10.2pp	21.4%	23.9%	22.2%	13%
Brokered Deposits	4.2% +4.1pp YoY	-5.3pp	9.5%	9.7%	8.5%	42%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
C&I	17.1% +1.6pp YoY -0.9pp QoQ	+3.1pp	14.0%	15.7%	12.5%	73%
CRE	57.0% -0.8pp YoY -0.2pp QoQ	+6.9pp	50.0%	42.0%	41.4%	68%
1-4 Family	13.4% -3.2pp YoY -0.5pp QoQ	-13.0pp	26.4%	24.0%	31.3%	26%
Consumer	0.4% -0.1pp YoY 0.0pp QoQ	-4.3pp	4.7%	5.6%	5.0%	28%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	15.6%	17.0%	19.7%	n/a
Leverage Ratio	10.3% -0.4pp YoY -0.3pp QoQ	-1.0pp	11.3%	11.7%	12.6%	44%
Total Capital Ratio	n/a	n/a	16.7%	18.2%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Full-Time Employees	180 +12 (+7.1%) YoY +3 (+1.7%) QoQ	-134	313	150	482	34%
Assets per Employee ($)	$8.2M +6.2% YoY +3.6% QoQ	-$2.3M	$10.5M	$6.5M	$8.8M	43%
Branch Count	9 0 YoY 0 QoQ	-11	20	8	18	25%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	0.9%	0.4%	n/a
Nonaccrual	0.1% 0.0pp QoQ	-0.8pp	0.8%	1.5%	1.0%	6%
Allowance Coverage	23.77x -9.0% QoQ	+5.06x	18.71x	61.99x	20.23x	95%
Net Charge-off Rate (YTD)	-0.0% 0.0pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.2%	0.2%	15%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
ROE	5.8% -1.7pp YoY 0.0pp QoQ	-6.8pp	12.6%	11.9%	11.6%	11%
Cost of Funds (YTD)	2.4% -0.1pp YoY 0.0pp QoQ	+0.5pp	1.9%	1.8%	1.7%	82%
Net Income ($, YTD)	$4.5M -9.6% YoY — QoQ	-$14.8M	$19.2M	$8.7M	$40.4M	9%

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12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth

#65 of 221 • Top 29.0% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.06%

(Tier: 0.87%, National: 0.98%)

better than tier avg

221 of 221 Mid-Market banks match · 920 nationally

→ Stable +1 banks QoQ | QoQ rank improving

Concerns (1)

Credit Quality Pressure

risk

#37 of 492 • Bottom 7.3% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.06%

(Tier: 0.87%, National: 0.98%)

better than tier avg

492 of 492 Mid-Market banks match · 1820 nationally

→ Stable -71 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (3 metrics)

Nonperforming Asset Ratio

credit_quality

Value: 0.05%

Peer Median: 0.67%

#78 of 885 Top 8.7% in $1B-$10B

Delinquency Rate

credit_quality

Value: 0.06%

Peer Median: 0.87%

#78 of 882 Top 8.7% in $1B-$10B

195

Net Interest Margin

profitability

Value: 4.22%

Peer Median: 3.87%

#195 of 885 Top 21.9% in $1B-$10B

Top Weaknesses (6 metrics)

823

Non-Interest Income / Assets

revenue_mix

Value: 0.08%

Peer Median: 0.53%

#823 of 885 Bottom 7.1% in $1B-$10B

811

Tier 1 Capital Ratio

capital

Value: 10.29%

Peer Median: 14.84%

#811 of 885 Bottom 8.5% in $1B-$10B

788

Return on Assets

profitability

Value: 0.63%

Peer Median: 1.39%

#788 of 885 Bottom 11.1% in $1B-$10B

782

Efficiency Ratio

profitability

Value: 75.36%

Peer Median: 59.73%

#782 of 885 Bottom 11.8% in $1B-$10B

768

Non-Interest-Bearing Deposit Share

funding

Value: 11.14%

Peer Median: 21.27%

#768 of 885 Bottom 13.3% in $1B-$10B

752

Loan-to-Deposit Ratio

liquidity

Value: 99.69%

Peer Median: 85.04%

#752 of 885 Bottom 15.1% in $1B-$10B