Sovereign Bank

Shawnee, OklahomaFDIC Cert #25738

STATEEstablished 19849 branches

Holding company: SOVEREIGN BCORP INCRegulator: FED

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Latest reported loan balances by category
Category	Balance
Owner CRE	$127M
Investor CRE	$315M
Multifamily	$17.3M
Construction	$165M
1–4 family	$151M
C&I	$197M
Agriculture	$48.9M
Other	$85.6M

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$1.11B

+14.4%y/y

Percentile by value52nd percentileby value

FDICLNLSGR

Net loans

$1.09B

+14.5%y/y

Percentile by value52nd percentileby value

FDICLNLSNET

Loans YoY

+14.46%

−26.5%y/y

Percentile by value83rd percentileby value

FDICLNLSNET

L/D

95.7%

+4.0%y/y

Percentile by value83rd percentileby value

FDICLNLSNET + DEP

Loans/assets

78.0%

−0.8%y/y

Percentile by value75th percentileby value

FDICLNLSNET + ASSET

RE loans %

74.25%

−4.2%y/y

Percentile by value25th percentileby value

FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC

Construction/capital

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC

Loan HHI

1,685points

−6.5%y/y

Peer standing75th percentile

FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD

Owner CRE %

11.52%

+5.4%y/y

Percentile by value40th percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

28.44%

−6.9%y/y

Percentile by value78th percentileby value

FDICLNRENROT + LNLSGR

C&I %

17.79%

+6.4%y/y

Percentile by value77th percentileby value

FDICLNCI + LNLSGR