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608 South Main Street
Stillwater, OK 74074

Bank SNB is headquartered in Stillwater and is the 7th largest bank in the state of Oklahoma. It is also the 383rd largest bank in the nation. It was established in 1894 and as of June of 2014, it had grown to 364 employees at 22 locations. Bank SNB has a A+ health rating.

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Data for Q2 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 June 30, 2014 Bank SNB had $16.7 million in non-current loans and owned real-estate with $302.35 million in equity and loan loss allowances on hand to cover it. This gives Bank SNB a Texas Ratio of 5.52% 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 9.77% as of June 30, 2013 to 5.52% as of June 30, 2014, resulting in a positive change of 43.48%.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 $117.28 million, resulting in 8.48% 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 $1.87 billion in assets with $302.35 million in equity, resulting in a capitalization level of 16.15%, which is excellent.

Institution Statistics

FDIC Certificate #4201
Year Established1894
Primary RegulatorOCC
Assets and Liabilities
Assets$1.87 billion
Loans$1.32 billion
Deposits$1.50 billion
Equity Capital$269.27 million
Loan Loss Allowance$33.08 million
Unbacked Noncurrent Loans$14.14 million
Real Estate Owned$2.56 million
Historic Data - June 2013
Assets$1.72 billion
Equity Capital$248.99 million
Loan Loss Allowance$37.29 million
Unbacked Noncurrent Loans$14.14 million
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets1.09%
Return on Equity7.94%
Interest Income$35.98 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.