Stillwater National Bank

608 South Main Street
Stillwater, OK 74074
1.888.762.4762
www.banksnb.com

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Stillwater National Bank is headquartered in Stillwater and is the 4^th largest bank in the state of Oklahoma. It is also the 310^st largest bank in the nation. It was established in 1894 and as of September of 2011, it had grown to 374 employees at 16 locations. Stillwater National Bank has a 2-star health rating.

Stillwater National Bank Routing Number: 103113153

Competitive 7-Month CD Special at Stillwater National Bank in OK - Local Only - 4/12/2010

Stillwater National Bank is advertising a competitive CD rate of 1.50% APY for a 7-month term. Minimum deposit is $5,000. This special doesn't seem to be listed at the bank's website . It was adverti ...

Competitive 18-Month CD Special at Stillwater National Bank in OK - Local Only - 2/28/2010

Stillwater National Bank is advertising a competitive CD rate of 2.00% APY for a 18-month term. Minimum deposit is $5,000. This special doesn't seem to be listed at the bank's website . It was advert ...

Competitive 15-Month CD Special at Stillwater National Bank in OK - Local Only - 2/7/2010

Stillwater National Bank is advertising a competitive CD rate of 2.00% APY for a 15-month term. Minimum deposit is $5,000. This special doesn't seem to be listed at the bank's website . It was advert ...

2.00% 11-Month CD Continues at Stillwater National Bank in OK - Local Only - 12/6/2009

Stillwater National Bank continues to advertise a competitive CD rate of 2.00% APY for an 11-month term. Minimum deposit is $5,000. This special doesn't seem to be listed at the bank's website. It was advertised in today's (12/06/09) Oklahoma City...

2009

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See Rates for: Checking | Savings | Money Market | CD | IRA

Stillwater National Bank Checking Account Rates

	Apy	Min	Max	Product
	0.10%^†	$1k	-	Investor Select Checking:

Stillwater National Bank Savings Account Rates

	Apy	Min	Max	Product
	0.15%^†	-	-	Savings

Stillwater National Bank Money Market Rates

Apy	Min	Max	Product
0.40%^†	$100k	-	Liquid Money Market:
0.25%^†	$25k	-	Choice Money Market:

Stillwater National Bank CD Rates

Apy	Min	Max	Product
1.80%^†	$100k	-	60 Month CD
1.60%^†	$100k	-	48 Month CD
1.40%^†	$100k	-	36 Month CD
1.00%^†	$100k	-	24 Month CD
0.70%^†	$100k	-	18 Month CD
0.55%^†	$100k	-	12 Month CD
0.35%^†	$100k	-	6 Month CD

Stillwater National Bank IRA Rates

Apy	Min	Max	Product
1.80%^†	$100k	-	60 Month IRA
1.80%^†	$100k	-	60 Month Roth IRA
1.80%^†	$100k	-	60 Month SEP IRA
1.60%^†	$100k	-	48 Month IRA
1.60%^†	$100k	-	48 Month Roth IRA
1.60%^†	$100k	-	48 Month SEP IRA
1.40%^†	$100k	-	36 Month IRA
1.40%^†	$100k	-	36 Month Roth IRA
1.40%^†	$100k	-	36 Month SEP IRA
1.00%^†	$100k	-	24 Month IRA
1.00%^†	$100k	-	24 Month Roth IRA
1.00%^†	$100k	-	24 Month SEP IRA
0.70%^†	$100k	-	18 Month IRA
0.70%^†	$100k	-	18 Month Roth IRA
0.70%^†	$100k	-	18 Month SEP IRA
0.55%^†	$100k	-	12 Month IRA
0.55%^†	$100k	-	12 Month Roth IRA
0.55%^†	$100k	-	12 Month SEP IRA
0.35%^†	$100k	-	6 Month IRA
0.35%^†	$100k	-	6 Month Roth IRA
0.35%^†	$100k	-	6 Month SEP IRA

Rates updated: 2/11/2012

Data for Q3 2011

Institution Statistics

The Stillwater National Bank and Trust Company
FDIC Certificate #	4201
BankRate Report	View
Year Established	1894
Employees	374
Primary Regulator	OCC
Assets and Liabilities
Assets	$2.24 billion
Loans	$1.80 billion
Deposits	$1.79 billion
Equity Capital	$349.03 million
Loan Loss Allowance	$60.18 million
Unbacked Noncurrent Loans	$125.91 million
Real Estate Owned	$62.98 million
Historic Data - September 2010
Assets	$2.55 billion
Equity Capital	$348.53 million
Loan Loss Allowance	$67.84 million
Unbacked Noncurrent Loans	$129.48 million
Real Estate Owned	$35.48 million
Profit Margin - Quarterly
Net Interest Margin	4.1%
Return on Assets	-0.31%
Return on Equity	-2.05%
Interest Income	$82.29 million

Institution Health

Overall Score:

2 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of September 30, 2011 Stillwater National Bank had $188.89 million in non-current loans and owned real-estate with $409.21 million in equity and loan loss allowances on hand to cover it. This gives Stillwater National Bank a Texas Ratio of 46.16% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Stillwater National Bank increased slightly from 39.62% as of September 30, 2010 to 46.16% as of September 30, 2011, resulting in a negative change of 16.50%. This indicates that the balance sheet and financial strength for Stillwater National Bank has declined slightly in recent periods.
Deposit Growth
In the past year, Stillwater National Bank has decreased its total deposits by -$302.06 million, resulting in -14.43% 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 Stillwater National Bank has shown is poor.
Capitalization
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. Stillwater National Bank has $2.24 billion in assets with $409.21 million in equity, resulting in a capitalization level of 18.23%, which is excellent.