TellerScore

Headquartered in Oklahoma City, Oklahoma, Watermark Bank is a state-chartered bank with $450.5M in total assets and $387.4M in deposits as of Q2 2026. It operates 1 office. Its charter dates back to 2019.

Watermark Bank has a TellerScore of 81 out of 100 (strong) based on Q2 2026 data — higher than 80% of its 2,650 banks with $100 million – $1 billion. Among 170 banks headquartered in Oklahoma, it ranks 38th. Loan quality contributes the most (100/100, 0.00%); funding & liquidity contributes the least (44/100, 97% loans-to-deposits, 33% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion83/100
Tier 1 leverage ratio: 13.29%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings73/100
Return on assets (annualized): 1.34%
Funding & liquidity44/100
Loans ÷ deposits and uninsured-deposit share: 97.1% · 32.6% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.00%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (82 → 81).

TellerScore
757982Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202480
Q3 202475
Q4 202477
Q1 202581
Q2 202582
Q3 202582
Q4 202580
Q1 202681
Q2 202681
Tier 1 leverage ratio
5.00%9.80%14.61%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202414.52%
Q3 202412.90%
Q4 202412.89%
Q1 202513.69%
Q2 202514.61%
Q3 202513.77%
Q4 202512.99%
Q1 202613.22%
Q2 202613.29%
Noncurrent loans
-1.00%0.00%1.00%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20250.00%
Q1 20260.00%
Q2 20260.00%
Return on assets
0.73%1.04%1.34%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.73%
Q3 20240.89%
Q4 20241.01%
Q1 20251.21%
Q2 20251.18%
Q3 20251.20%
Q4 20251.20%
Q1 20261.21%
Q2 20261.34%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202681$450.5M13.29%0.00%1.34%97.1%
Q1 202681$429.6M13.22%0.00%1.21%96.1%
Q4 202580$407.0M12.99%0.00%1.20%96.5%
Q3 202582$416.2M13.77%0.00%1.20%90.2%
Q2 202582$355.5M14.61%0.00%1.18%100.0%
Q1 202581$371.1M13.69%0.00%1.21%92.9%
Q4 202477$361.8M12.89%0.00%1.01%92.4%
Q3 202475$367.6M12.90%0.00%0.89%94.8%
Q2 202480$343.1M14.52%0.00%0.73%93.3%

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).

Capital ratio13.29%
77th
Total risk-based capital15.36%
70th
Problem loans0.00%
94th
Net charge-offs-0.02%
91st
Return on assets1.34%
55th
Net interest margin4.26%
69th
Efficiency ratio55.3%
71st
Loans to deposits97.1%
14th
Uninsured deposits32.6%
22nd
Loan-loss reserves1.25%
57th
Texas ratio0.0%
95th

Similar-size banks in Oklahoma

InstitutionScoreAssetsCapitalProblem loansCompare
Welch State Bank of Welch, Okla.Bank Welch, OK76 out of 100, Strong$449.8M10.2%0.36%vs
The City National Bank and Trust Company of Lawton, OklahomaBank Lawton, OK83 out of 100, Strong$446.2M13.9%0.45%vs
Local BankBank Hulbert, OK66 out of 100, Moderate$463.1M11.4%0.52%vs
The Citizens Bank of EdmondBank Edmond, OK57 out of 100, Moderate$432.4M8.5%0.63%vs
Bank of Western OklahomaBank Elk City, OK73 out of 100, Strong$469.7M8.1%0.11%vs
Exchange Bank and Trust CompanyBank Perry, OK65 out of 100, Moderate$428.7M10.8%1.59%vs

Deposit insurance

Is my money safe at Watermark Bank?

Yes. Watermark Bank is an FDIC-insured institution (FDIC certificate #59148). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 32.6% of deposits ($126.4M) 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 13.29%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.36% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

Watermark Bank lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Watermark Bank
Type
State-chartered bank
FDIC certificate #
59148
RSSD ID
5313312
Primary regulator
FDIC
Established
January 22, 2019
Headquarters
6501 N. Classen Boulevard, Suite 300, Oklahoma City, OK 73116
Employees
34

Quick answers

Watermark Bank: common questions

Is Watermark Bank FDIC insured?

Yes. Watermark Bank is an FDIC-insured institution (FDIC certificate #59148). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Watermark Bank's TellerScore?

81 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Watermark Bank ever failed?

There is no failure record for FDIC certificate #59148 in the FDIC failed bank list.

How many branches does Watermark Bank have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Oklahoma City

InstitutionScoreAssetsCapitalProblem loansCompare
Oklahoma Federal Credit UnionCredit union Oklahoma City, OK91 out of 100, Very strong$198.9M20.2%0.24%vs
International Bank of CommerceBank Oklahoma City, OK88 out of 100, Very strong$1.6B15.5%0.66%vs
Bank 7Bank Oklahoma City, OK86 out of 100, Very strong$1.9B13.9%0.39%vs
Sooner State BankBank Tuttle, OK86 out of 100, Very strong$354.6M12.8%0.33%vs
U. S. Employees O. C. Federal Credit UnionCredit union Oklahoma City, OK85 out of 100, Very strong$213.5M16.3%0.20%vs
Liberty National BankBank Lawton, OK84 out of 100, Strong$1.3B10.3%0.02%vs