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The State Bank of Wynnewood

$100M-$1B Specialty: Agricultural OK FDIC cert 4232

Wynnewood, 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 106 in OK.
  • Deposits -1.9% year over year ($95.8M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 2.11%.
  • Efficiency ratio 50.73% vs a 64.48% peer average.
  • Loan-to-deposit ratio 51.84% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 106 in OK
View $100M-$1B leaderboard (OK) →

The State Bank of Wynnewood has 5 strengths but faces 3 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

  • + Profitability Leader: Top 8.0% in tier
  • + Revenue Diversifier: Top 16.5% in tier
  • + Credit Quality Leader: Top 46.0% in tier
  • + Nonperforming Asset Ratio 0.67% below tier average
  • + Efficiency Ratio 13.75% below tier average

Key Concerns

Areas that may need attention

  • - Deposit Outflow: Bottom 8.0% in tier
  • - NIB Deposit Bleed: Bottom 25.3% in tier
  • - Net Interest Margin 0.85% below tier average
Get updates when The State Bank of Wynnewood releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Total Assets ? $111.4M
+0.2% YoY -2.3% QoQ
-$275.2M $386.6M
+1.2% YoY
$1.3B
+6.0% YoY
$6.3B
+7.7% YoY
Bottom 3.1% in tier
Total Loans ? $49.7M
+4.5% YoY +1.7% QoQ
-$208.7M $258.3M
+1.7% YoY
$835.5M
+7.1% YoY
$3.2B
+9.4% YoY
Bottom 3.0% in tier
Total Deposits ? $95.8M
-1.9% YoY -2.8% QoQ
-$230.9M $326.7M
+0.7% YoY
$967.8M
+5.8% YoY
$4.9B
+7.3% YoY
Bottom 4.4% in tier
Return on Assets ? 2.11%
+121.5% YoY -29.8% QoQ
+0.78% 1.32%
+10.8% YoY
1.35%
+7.7% YoY
1.30%
+12.1% YoY
Top 11.0% in tier
Net Interest Margin ? 3.14%
+6.9% YoY +1.3% QoQ
-0.85% 3.99%
+5.0% YoY
4.27%
+1.9% YoY
3.95%
+4.9% YoY
Bottom 14.2% in tier
Efficiency Ratio ? 50.73%
-26.0% YoY +18.6% QoQ
-13.75% 64.48%
-3.2% YoY
64.81%
-3.0% YoY
70.05%
+2.5% YoY
82%
Delinquency Rate ? 0.00% -0.92% 0.92%
+15.7% YoY
1.78%
+23.7% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 51.84%
+6.6% YoY +4.6% QoQ
-26.11% 77.95%
+1.0% YoY
74.14%
+1.3% YoY
79.03%
+2.3% YoY
Top 9.6% in tier
Non-Interest-Bearing Deposit Share ? 16.83%
-19.7% YoY -8.4% QoQ
-5.20% 22.03%
-0.6% YoY
23.91%
-1.8% YoY
21.98%
-0.6% YoY
32%
Nonperforming Asset Ratio ? 0.00%
-100.0% YoY
-0.67% 0.67%
+16.4% YoY
1.24%
+23.1% YoY
0.69%
+15.8% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 15.63%
+6.0% YoY -1.6% QoQ
-0.28% 15.91%
+1.4% YoY
14.18%
-3.9% YoY
17.09%
+0.8% YoY
70%
Non-Interest Income / Assets ? 0.61%
+429.6% YoY +13.8% QoQ
+0.04% 0.57%
+7.6% YoY
0.31%
-11.7% YoY
0.66%
+5.2% YoY
Top 6.7% 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 16.8%
-4.1pp YoY
-1.5pp QoQ
 -5.3pp 22.1% 23.9% 22.2% 32%
Brokered Deposits n/a n/a 7.9% 9.7% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
C&I 7.9%
-2.3pp YoY
-0.2pp QoQ
 -3.6pp 11.6% 15.7% 12.5% 40%
CRE n/a n/a 39.5% 42.0% 41.4% n/a
1-4 Family 23.4%
+1.2pp YoY
+0.9pp QoQ
 -9.2pp 32.6% 24.0% 31.3% 38%
Consumer 2.8%
-0.5pp YoY
0.0pp QoQ
 -1.3pp 4.1% 5.6% 5.0% 58%

Capital

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 17.0% 19.7% n/a
Leverage Ratio 15.6%
+0.9pp YoY
-0.3pp QoQ
 +3.5pp 12.2% 11.7% 12.6% 89%
Total Capital Ratio n/a n/a 19.9% 18.2% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Full-Time Employees 16
0 YoY
0 QoQ
 -43 58 150 482 5%
Assets per Employee ($) $7.0M
+0.2% YoY
-2.3% QoQ
 -$557K $7.5M $6.5M $8.8M 52%
Branch Count 1
0 YoY
0 QoQ
 -4 4 8 18 0%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.9% 0.4% n/a
Nonaccrual n/a n/a 0.9% 1.5% 1.0% n/a
Allowance Coverage n/a n/a 24.15x 61.99x 20.23x n/a
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.2% 0.2% 42%

Profitability

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
ROE 15.4%
+7.1pp YoY
-6.5pp QoQ
 +3.2pp 12.2% 11.9% 11.6% 70%
Cost of Funds (YTD) 1.6%
-0.2pp YoY
0.0pp QoQ
 -0.1pp 1.7% 1.8% 1.7% 43%
Net Income ($, YTD) $1.1M
+115.6% YoY
— QoQ
 -$1.4M $2.6M $8.7M $40.4M 31%

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 (3)

Profitability Leader

growth
#54 of 661 • Top 8.0% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 2.11%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Revenue Diversifier

growth
#110 of 661 • Top 16.5% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.61%
(Tier: 0.57%, National: 0.66%)
better than tier avg
Return on Assets: 2.11%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Credit Quality Leader

growth
#304 of 659 • Top 46.0% in tier

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

Why this signature
Delinquency Rate: 0.00%
(Tier: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Concerns (2)

Deposit Outflow

decline
#44 of 535 • Bottom 8.0% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ | QoQ rank improving

NIB Deposit Bleed

decline
#42 of 162 • Bottom 25.3% in tier

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: 16.83%
(Tier: 22.03%, National: 21.98%)
worse than tier avg
162 of 162 Community banks match · 211 nationally
↓ Shrinking -26 banks QoQ

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (6 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#1 of 2633 Top 0.1% in $100M-$1B
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#1 of 2643 Top 0.1% in $100M-$1B
178
Non-Interest Income / Assets
revenue_mix
Value: 0.61%
Peer Median: 0.57%
#178 of 2643 Top 6.7% in $100M-$1B
255
Loan-to-Deposit Ratio
liquidity
Value: 51.84%
Peer Median: 77.95%
#255 of 2643 Top 9.6% in $100M-$1B
292
Return on Assets
profitability
Value: 2.11%
Peer Median: 1.32%
#292 of 2643 Top 11.0% in $100M-$1B
482
Efficiency Ratio
profitability
Value: 50.73%
Peer Median: 64.48%
#482 of 2643 Top 18.2% in $100M-$1B

Top Weaknesses (4 metrics)

2565
Total Loans
size
Value: $49.66M
Peer Median: $258.35M
#2565 of 2643 Bottom 3.0% in $100M-$1B
2562
Total Assets
size
Value: $111.38M
Peer Median: $386.57M
#2562 of 2643 Bottom 3.1% in $100M-$1B
2527
Total Deposits
size
Value: $95.81M
Peer Median: $326.73M
#2527 of 2643 Bottom 4.4% in $100M-$1B
2270
Net Interest Margin
profitability
Value: 3.14%
Peer Median: 3.99%
#2270 of 2643 Bottom 14.2% in $100M-$1B
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