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Overview / Commentary
608 South Main Street
Stillwater, OK 74074

Bank SNB is headquartered in Stillwater and is the 8th largest bank in the state of Oklahoma. It is also the 364th largest bank in the nation. It was established in 1894 and as of March of 2014, it had grown to 397 employees at 24 locations. Bank SNB has a A+ health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Bank SNB had $17.62 million in non-current loans and owned real-estate with $296.25 million in equity and loan loss allowances on hand to cover it. This gives Bank SNB a Texas Ratio of 5.95% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Bank SNB decreased dramatically from 13.96% as of March 31, 2013 to 5.95% as of March 31, 2014, resulting in a positive change of 57.38%.This indicates that the balance sheet and financial strength for Bank SNB has improved dramatically in recent periods.

Deposit Growth


In the past year, Bank SNB has increased its total deposits by $212.24 million, resulting in 14.85% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Bank SNB has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Bank SNB has $2 billion in assets with $296.25 million in equity, resulting in a capitalization level of 14.83%, which is excellent.

Institution Statistics

FDIC Certificate #4201
Year Established1894
Primary RegulatorOCC
Assets and Liabilities
Assets$2.00 billion
Loans$1.28 billion
Deposits$1.64 billion
Equity Capital$261.32 million
Loan Loss Allowance$34.93 million
Unbacked Noncurrent Loans$15.06 million
Real Estate Owned$2.56 million
Historic Data - March 2013
Assets$1.76 billion
Equity Capital$247.79 million
Loan Loss Allowance$39.00 million
Unbacked Noncurrent Loans$15.06 million
Real Estate Owned$9.21 million
Profit Margin - Quarterly
Net Interest Margin3.49%
Return on Assets0.82%
Return on Equity6.05%
Interest Income$17.76 million

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Bank SNB Savings Account Rates


Bank SNB Money Market Rates

0.15%$25k-Choice Money Market:

Bank SNB Checking Account Rates

0.10%$1k-Investor Select Checking:

Bank SNB CD Rates

1.25%$10k-60 Month CD
1.15%$10k-48 Month CD
0.90%$10k-36 Month CD
0.55%$10k-24 Month CD
0.35%$10k-18 Month CD
0.30%$10k-12 Month CD
0.20%$10k-6 Month CD

Bank SNB IRA Rates

1.25%$10k-60 Month IRA
1.15%$10k-48 Month IRA
0.90%$10k-36 Month IRA
0.55%$10k-24 Month IRA
0.35%$10k-18 Month IRA
0.30%$10k-12 Month IRA
0.20%$10k-6 Month IRA

Bank SNB has 16 locations. Click to view all Bank SNB locations.