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.

From Q2 2025 to Q2 2026, the score fell 4 points (68 → 64), mostly because the earnings component weakened by 7 points.

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

Yes. Sovereign Bank is an FDIC-insured institution (FDIC certificate #25738). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 44.8% of deposits ($534.9M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.29%, 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%).

Check how much of your own balance is covered

Sovereign Bank lists 9 offices in 9 cities. Most locations:

• Canute, OK (1)
• Edmond, OK (1)
• Granite, OK (1)
• Holdenville, OK (1)
• Lawton, OK (1)
• Mangum, OK (1)
• Midwest City, OK (1)
• Oklahoma City, OK (1)
• Shawnee, OK (1)

All branch addresses and map

In 2025, Sovereign Bank reported 538 home-loan applications under HMDA (LEI 549300CKJ4DTUYAZXI11): 485 originated ($125,675,000 total), 10 denied, and 16 withdrawn or closed by the applicant. Its denial rate on decided applications was 1.9%, 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.

Legal name

Sovereign Bank

Former names

First National Bank and Trust Company; The First Oklahoma Bank, National Association

Type

State-chartered bank (Fed member)

FDIC certificate #

25738

RSSD ID

396253

Primary regulator

FED

Holding company

Sovereign Bcorp Inc

Established

October 29, 1984

Headquarters

130 E Macarthur St, Shawnee, OK 74804

Website

www.banksovereign.com

Employees

180