Headquartered in Shattuck, Oklahoma, SNB Bank, National Association is a national bank with $129.4M in total assets and $111.3M in deposits as of Q2 2026. It operates 2 offices across 2 states. Its charter dates back to 1909.
Based on its Q2 2026 filing, SNB Bank, National Association scores 36/100, which we describe as low. That is higher than only 1% of 2,650 banks with $100 million – $1 billion. Among 170 banks headquartered in Oklahoma, it ranks 164th. Its strongest component is funding & liquidity (79/100; 81% loans-to-deposits, 8% uninsured), and its lowest is loan quality (0/100; 6.18%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 24 points (60 → 36), mostly because the earnings component weakened by 80 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 37 |
| Q3 2024 | 40 |
| Q4 2024 | 45 |
| Q1 2025 | 29 |
| Q2 2025 | 60 |
| Q3 2025 | 54 |
| Q4 2025 | 46 |
| Q1 2026 | 42 |
| Q2 2026 | 36 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.08% |
| Q3 2024 | 11.46% |
| Q4 2024 | 9.73% |
| Q1 2025 | 9.49% |
| Q2 2025 | 11.10% |
| Q3 2025 | 11.13% |
| Q4 2025 | 11.31% |
| Q1 2026 | 11.63% |
| Q2 2026 | 11.80% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 4.60% |
| Q3 2024 | 4.64% |
| Q4 2024 | 1.56% |
| Q1 2025 | 3.44% |
| Q2 2025 | 2.56% |
| Q3 2025 | 3.43% |
| Q4 2025 | 6.10% |
| Q1 2026 | 4.21% |
| Q2 2026 | 6.18% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.14% |
| Q3 2024 | 0.36% |
| Q4 2024 | -1.07% |
| Q1 2025 | -0.49% |
| Q2 2025 | 3.34% |
| Q3 2025 | 1.87% |
| Q4 2025 | 1.12% |
| Q1 2026 | 0.46% |
| Q2 2026 | 0.01% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 36 | $129.4M | 11.80% | 6.18% | 0.01% | 81.2% |
| Q1 2026 | 42 | $129.1M | 11.63% | 4.21% | 0.46% | 81.4% |
| Q4 2025 | 46 | $135.9M | 11.31% | 6.10% | 1.12% | 84.6% |
| Q3 2025 | 54 | $136.1M | 11.13% | 3.43% | 1.87% | 87.0% |
| Q2 2025 | 60 | $144.2M | 11.10% | 2.56% | 3.34% | 81.5% |
| Q1 2025 | 29 | $143.2M | 9.49% | 3.44% | -0.49% | 86.5% |
| Q4 2024 | 45 | $144.6M | 9.73% | 1.56% | -1.07% | 84.0% |
| Q3 2024 | 40 | $140.3M | 11.46% | 4.64% | 0.36% | 91.3% |
| Q2 2024 | 37 | $140.4M | 11.08% | 4.60% | 0.14% | 91.3% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Oklahoma
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| SSB BankBank Spiro, OK | 80 out of 100, Strong | $129.9M | 17.0% | 0.09% | vs |
| FNB CowetaBank Coweta, OK | 86 out of 100, Very strong | $127.8M | 11.2% | 0.00% | vs |
| ACB BankBank Cherokee, OK | 64 out of 100, Moderate | $135.5M | 12.2% | 1.77% | vs |
| Cleo State BankBank Cleo Springs, OK | 80 out of 100, Strong | $122.5M | 16.4% | 2.12% | vs |
| CorebankBank Waynoka, OK | 83 out of 100, Strong | $122.1M | 11.8% | 0.00% | vs |
| The First Bank of OkarcheBank Okarche, OK | 89 out of 100, Very strong | $137.5M | 16.1% | 1.04% | vs |
Deposit insurance
Is my money safe at SNB Bank, National Association?
Yes. SNB Bank, National Association is an FDIC-insured institution (FDIC certificate #4196). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 7.8% of deposits ($8.7M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.80%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
2 locations
Branches
SNB Bank, National Association lists 2 offices in 2 cities across 2 states. Most locations:
- Booker, TX (1)
- Shattuck, OK (1)
Identity & history
Profile
- Legal name
- SNB Bank, National Association
- Former names
- The Shattuck National Bank
- Type
- National bank
- FDIC certificate #
- 4196
- RSSD ID
- 394156
- Primary regulator
- OCC
- Holding company
- Shattuck Bancshares Inc
- Established
- August 1, 1909
- Headquarters
- 503 S Main St, Shattuck, OK 73858
- Website
- www.snbbankna.com
- Employees
- 22
Quick answers
SNB Bank, National Association: common questions
Is SNB Bank, National Association FDIC insured?
Yes. SNB Bank, National Association is an FDIC-insured institution (FDIC certificate #4196). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is SNB Bank, National Association's TellerScore?
36 out of 100 (Low), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has SNB Bank, National Association ever failed?
There is no failure record for FDIC certificate #4196 in the FDIC failed bank list.
How many branches does SNB Bank, National Association have?
2 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Shattuck
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Farmers and Merchants BankBank Arnett, OK | 85 out of 100, Very strong | $80.3M | 13.0% | 0.42% | vs |
| Oklahoma State BankBank Buffalo, OK | 69 out of 100, Moderate | $66.7M | 10.4% | 1.47% | vs |
| InterBankBank Oklahoma City, OK | 62 out of 100, Moderate | $5.3B | 11.1% | 1.56% | vs |