Side-by-side · Q2 2026 data
Sooner State Bank vs Watermark Bank
Metric by metric
| Measure | Sooner State Bank | Watermark Bank |
|---|---|---|
| TellerScore | 86 (stronger) | 81 |
| Capital cushion | 78 | 83 (stronger) |
| Loan quality | 89 | 100 (stronger) |
| Earnings | 100 (stronger) | 73 |
| Funding & liquidity | 70 (stronger) | 44 |
| Problem-loan coverage | 97 | 100 (stronger) |
| Peer percentile | 90th | 80th |
| Total assets | $354.6M | $450.5M |
| Deposits / shares | $311.0M | $387.4M |
| Capital ratio | 12.75% | 13.29% (stronger) |
| Problem loans | 0.33% | 0.00% (stronger) |
| Net charge-offs | 0.01% | -0.02% (stronger) |
| Return on assets | 2.06% (stronger) | 1.34% |
| Loans ÷ deposits | 73.8% (stronger) | 97.1% |
| Uninsured deposits | 29.6% (stronger) | 32.6% |
| Offices | 7 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.8% | — |
Sooner State Bank has the higher TellerScore (86 vs 81). On the 7 directional measures above (where higher or lower is clearly better), Sooner State Bank leads on 4 and Watermark Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.