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Watermark Bank

Oklahoma City, OK · Est. 2019 · Website ↗
A
Trust Grade
Excellent
Score: 98/100

Watermark Bank is a bank based in Oklahoma City, Oklahoma, established in 2019, with $430 million in total assets across 1 branch. By Trust Grade it ranks 72nd of 170 banks we track in Oklahoma. Its capital ratio of 12.9% is stronger than 79% of similarly sized banks, versus a Oklahoma median of 10.4%. It was profitable over the most recent period, with a 1.21% return on assets. No consumer complaints against Watermark Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.

Total assets
$429.6M
$100M–1B institution
Deposits
$368.0M
Branches
1
Capital ratio
12.9%
Top 21% of $100M–1B peers · Oklahoma median 10.4%
Return on assets
1.2%
Top 50% of $100M–1B peers · Oklahoma median 1.4%
Rank in Oklahoma
#72
of 170 banks

How Watermark Bank compares to Oklahoma peers

Capital ratio
Top 21% of $100M–1B peers
Watermark Bank
12.9%
Oklahoma median
10.4%
Higher capital ratio = stronger financial cushion
Return on assets
Top 50% of $100M–1B peers
Watermark Bank
1.2%
Oklahoma median
1.4%
Higher ROA = more profitable relative to asset base

How we graded Watermark Bank

The Trust Grade blends financial strength with complaint history. Full methodology →

Financial strength
98/100
Customer experience
n/a
Overall
A · 98
  • Strongly capitalized (12.9% capital ratio)
  • Strongly profitable (ROA 1.21%)
  • No CFPB complaints on record

Consumer complaints (CFPB)

No CFPB complaints are on file for Watermark Bank over the analysis window. For a smaller institution this is common and counts in its favor.

Branch locations (1)

  • 6501 N. Classen Boulevard, Suite 300, Oklahoma City, OK 73116

Are deposits at Watermark Bank insured?

Yes. Watermark Bank is an FDIC-insured bank (FDIC certificate #59148). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.

Watermark Bank: frequently asked questions

Is Watermark Bank a good bank?

Watermark Bank earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (12.9% capital ratio); Strongly profitable (ROA 1.21%).

Is Watermark Bank FDIC-insured?

Yes. Watermark Bank is a FDIC-insured bank (FDIC certificate #59148). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.

How big is Watermark Bank?

Watermark Bank holds $430 million in total assets, ranking 72nd of 170 banks we track in Oklahoma. It operates 1 branch.

Does Watermark Bank have CFPB complaints?

No CFPB complaints against Watermark Bank appear in our data over the analysis window, which is typical for a bank of this size.

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Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.

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