Bank · FDIC insured
Sovereign Bank
A $1.5B bank headquartered in Shawnee, OK, with 9 branches in Oklahoma.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: only special-purpose accounts (IRA, youth) are published. Savings: rates are not published online. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- CDs—4.13%CD rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Sovereign Bank
Originally chartered in 1983 as First Oklahoma Bank, N.A., the bank was acquired in 1984 by the Citizen Potawatomi Nation to establish tribal economic independence.
Renamed First National Bank & Trust Co. in 1995, it later expanded through the acquisitions of Guarantee State Bank in 2006 and The First State Bank in 2021.
In 2023, the institution rebranded as Sovereign Bank and stands as the largest tribally owned bank in the United States.
- Headquarters
- 130 E Macarthur St, Shawnee, OK 74804
- FDIC certificate
- 25738 ↗
Branches
9 branches in Oklahoma
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Oklahoma
9 branches
Shawnee area · 1
- Sovereign BankMain office130 E Macarthur St, Shawnee, OK 74804Directions
Canute area · 1
- The First State Bank Branch612 Willard Avenue, Canute, OK 73626Directions
Edmond area · 1
- Edmond Branch3856 S Boulevard Ste 260, Edmond, OK 73013Directions
Granite area · 1
- Granite Branch104 E 1st St, Granite, OK 73547Directions
Holdenville area · 1
- Holdenville Branch821 E Highway St, Holdenville, OK 74848Directions
Lawton area · 1
- Quanah Parker Branch6702 Quanah Parker Trailway, Lawton, OK 73506Directions
Mangum area · 1
- Mangum Branch204 N Oklahoma Ave, Mangum, OK 73554Directions
Midwest City area · 1
- South Douglas Boulevard Branch2600 S Douglas Blvd, Midwest City, OK 73130Directions
Oklahoma City area · 1
- Oklahoma City Branch3030 Nw Expressway Ste 1, Oklahoma City, OK 73112Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 10.29% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 0.06% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 0.63% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $101 | $88 | — |
- CapitalLeverage ratio10.29%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent0.06%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets0.63%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$101Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Sovereign Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.