Sooner State Bank is a state-chartered bank headquartered in Tuttle, Oklahoma, in business for about 123 years. At the end of Q2 2026 it reported $354.6M in total assets and $311.0M in deposits, with 7 offices.
Based on its Q2 2026 filing, Sooner State Bank scores 86/100, which we describe as very strong. That is higher than 90% of 2,650 banks with $100 million – $1 billion. Among 170 banks headquartered in Oklahoma, it ranks 17th. Its strongest component is earnings (100/100; 2.06%), and its lowest is funding & liquidity (70/100; 74% loans-to-deposits, 30% uninsured).
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 3 points (89 → 86), mostly because the loan quality component weakened by 11 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 87 |
| Q3 2024 | 88 |
| Q4 2024 | 88 |
| Q1 2025 | 90 |
| Q2 2025 | 89 |
| Q3 2025 | 77 |
| Q4 2025 | 79 |
| Q1 2026 | 87 |
| Q2 2026 | 86 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.13% |
| Q3 2024 | 12.27% |
| Q4 2024 | 12.51% |
| Q1 2025 | 12.88% |
| Q2 2025 | 12.64% |
| Q3 2025 | 12.69% |
| Q4 2025 | 12.64% |
| Q1 2026 | 13.08% |
| Q2 2026 | 12.75% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.02% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 1.31% |
| Q4 2025 | 0.97% |
| Q1 2026 | 0.30% |
| Q2 2026 | 0.33% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.77% |
| Q3 2024 | 1.80% |
| Q4 2024 | 1.83% |
| Q1 2025 | 1.97% |
| Q2 2025 | 2.02% |
| Q3 2025 | 2.00% |
| Q4 2025 | 1.99% |
| Q1 2026 | 2.08% |
| Q2 2026 | 2.06% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 86 | $354.6M | 12.75% | 0.33% | 2.06% | 73.8% |
| Q1 2026 | 87 | $339.3M | 13.08% | 0.30% | 2.08% | 77.3% |
| Q4 2025 | 79 | $331.1M | 12.64% | 0.97% | 1.99% | 80.1% |
| Q3 2025 | 77 | $326.4M | 12.69% | 1.31% | 2.00% | 77.6% |
| Q2 2025 | 89 | $319.4M | 12.64% | 0.00% | 2.02% | 77.4% |
| Q1 2025 | 90 | $320.6M | 12.88% | 0.00% | 1.97% | 72.2% |
| Q4 2024 | 88 | $304.2M | 12.51% | 0.02% | 1.83% | 70.4% |
| Q3 2024 | 88 | $309.8M | 12.27% | 0.00% | 1.80% | 66.6% |
| Q2 2024 | 87 | $302.9M | 12.13% | 0.00% | 1.77% | 67.2% |
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 |
|---|---|---|---|---|---|
| Frazer BankBank Altus, OK | 77 out of 100, Strong | $354.3M | 11.2% | 0.00% | vs |
| Citizens Bank of AdaBank Ada, OK | 73 out of 100, Strong | $353.7M | 9.5% | 0.68% | vs |
| The Pauls Valley National BankBank Pauls Valley, OK | 39 out of 100, Low | $356.6M | 9.5% | 5.72% | vs |
| Cowboy BankBank Kremlin, OK | 84 out of 100, Strong | $350.3M | 12.7% | 0.49% | vs |
| The First Security BankBank Beaver, OK | 35 out of 100, Low | $335.0M | 8.3% | 2.34% | vs |
| Bank of CommerceBank Duncan, OK | 46 out of 100, Below average | $334.0M | 10.5% | 2.27% | vs |
Deposit insurance
Is my money safe at Sooner State Bank?
Yes. Sooner State Bank is an FDIC-insured institution (FDIC certificate #402). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 29.6% of deposits ($92.0M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.75%, 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%).
7 locations
Branches
Sooner State Bank lists 7 offices in 6 cities. Most locations:
- Newcastle, OK (2)
- Konawa, OK (1)
- Midwest City, OK (1)
- Oklahoma City, OK (1)
- The Village, OK (1)
- Tuttle, OK (1)
HMDA 2025
Mortgage lending
In 2025, Sooner State Bank reported 129 home-loan applications under HMDA (LEI 549300K3182R4M8RRD37): 127 originated ($27,655,000 total), 1 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.8%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Sooner State Bank
- Former names
- The Bank of Tuttle
- Type
- State-chartered bank
- FDIC certificate #
- 402
- RSSD ID
- 534756
- Primary regulator
- FDIC
- Holding company
- Tuttle Bancshares Inc
- Established
- January 1, 1903
- Headquarters
- 2 Se 4th St, Tuttle, OK 73089
- Website
- www.soonerstatebank.com
- Employees
- 68
Quick answers
Sooner State Bank: common questions
Is Sooner State Bank FDIC insured?
Yes. Sooner State Bank is an FDIC-insured institution (FDIC certificate #402). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Sooner State Bank's TellerScore?
86 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Sooner State Bank ever failed?
There is no failure record for FDIC certificate #402 in the FDIC failed bank list.
How many branches does Sooner State Bank have?
7 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Tuttle
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Oklahoma Federal Credit UnionCredit union Oklahoma City, OK | 91 out of 100, Very strong | $198.9M | 20.2% | 0.24% | vs |
| International Bank of CommerceBank Oklahoma City, OK | 88 out of 100, Very strong | $1.6B | 15.5% | 0.66% | vs |
| Correctional Workers Federal Credit UnionCredit union El Reno, OK | 88 out of 100, Very strong | $10.5M | 17.9% | 0.19% | vs |
| Bank 7Bank Oklahoma City, OK | 86 out of 100, Very strong | $1.9B | 13.9% | 0.39% | vs |
| U. S. Employees O. C. Federal Credit UnionCredit union Oklahoma City, OK | 85 out of 100, Very strong | $213.5M | 16.3% | 0.20% | vs |
| Liberty National BankBank Lawton, OK | 84 out of 100, Strong | $1.3B | 10.3% | 0.02% | vs |