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15 East 15th Street
Edmond, OK 73013

Savings Square is headquartered in Edmond and is the 17st largest bank in the state of Oklahoma. It is also the 1,068th largest bank in the nation. It was established in 1970 and as of March of 2014, it had grown to 99 employees at 6 locations. Savings Square 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 Savings Square had $2.52 million in non-current loans and owned real-estate with $68.32 million in equity and loan loss allowances on hand to cover it. This gives Savings Square a Texas Ratio of 3.69% 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 Savings Square decreased dramatically from 6.99% as of March 31, 2013 to 3.69% as of March 31, 2014, resulting in a positive change of 47.26%.This indicates that the balance sheet and financial strength for Savings Square has improved dramatically in recent periods.

Deposit Growth


In the past year, Savings Square has increased its total deposits by $18.85 million, resulting in 3.53% 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 Savings Square 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. Savings Square has $638.67 million in assets with $68.32 million in equity, resulting in a capitalization level of 10.70%, which is above average.

Institution Statistics

FDIC Certificate #20156
Year Established1970
Primary RegulatorFDIC
Assets and Liabilities
Assets$638.67 million
Loans$432.57 million
Deposits$552.92 million
Equity Capital$58.89 million
Loan Loss Allowance$9.42 million
Unbacked Noncurrent Loans$667,000
Real Estate Owned$1.85 million
Historic Data - March 2013
Assets$619.35 million
Equity Capital$56.60 million
Loan Loss Allowance$9.21 million
Unbacked Noncurrent Loans$667,000
Real Estate Owned$3.67 million
Profit Margin - Quarterly
Net Interest Margin3.27%
Return on Assets1.02%
Return on Equity11.29%
Interest Income$5.64 million
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Savings Square Savings Account Rates

0.55%--Square Savings Account

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