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Company Description

Contact Info

608 South Main Street

Stillwater, OK 74074

United States

Phone: 405-742-1800


Southwest Bancorp, Inc. operates as the holding company for Bank SNB that provides various commercial and consumer banking services. Products and Services The company offers various commercial and retail financial services, including commercial and consumer lending, deposit and investment services, specialized cash management, and other financial services and products. The company’s area of expertise focus on the special financial needs of healthcare and health professionals, commercial real estate borrowers, businesses and their managers and owners, commercial lending, and energy banking. The healthcare and real estate industries make up the majority of the company’s loan portfolio. The company’s commercial lending services include commercial real estate loans, working capital loans, construction loans, loans to small businesses, loans for equipment and general business expansion, loans to energy companies based on proved producing reserves, and loans to various healthcare providers, business, and related concerns. Consumer lending services include residential real estate loans and mortgage banking services; personal lines of credit; loans for the purchase of automobiles; and other installment loans. The company also offers deposit and personal banking services, including commercial deposit services, commercial checking, money market, and other deposit accounts; and retail deposit services, such as certificates of deposit, money market accounts, checking accounts, negotiable order of withdrawal accounts, savings accounts, and automatic teller machine access. The company offers personal brokerage services through a relationship with an independent institution. The company has developed Internet banking services, called Bank SNB DirectBanker, for consumer and commercial customers, an automated lockbox, document imaging, and information service for commercial customers called ‘Bank SNB Digital Lockbox’, and deposit products that automatically sweep excess funds from commercial demand deposit accounts and invest them in interest bearing funds (Sweep Agreements). Segments The company operates through four segments, including Oklahoma Banking, Texas Banking, Kansas Banking, and Other Operations that includes funds management (investment portfolio and funding) and corporate investments. Banking Segments The company’s banking segments include Oklahoma Banking, which includes the Stillwater division, the Central Oklahoma division based in Oklahoma City, the Tulsa division, and the Colorado division based in Denver; Texas Banking, which includes the Dallas division, the Fort Worth division, the Austin division, and the San Antonio division; and Kansas Banking, which includes the Wichita division and the Hutchinson division. The company originates and produces mortgages in its Stillwater, Oklahoma City, Tulsa, Austin, Wichita, and Denver divisions. Mortgage operations are managed through the company’s home office located in Stillwater, Oklahoma. The company originates conventional, jumbo, Federal Housing Administration (FHA), Veterans' Administration (VA), and other types of first mortgage loans for sale to the Federal National Mortgage Association (FNMA) or private investors. Servicing on these loans might be released or retained in connection with the sale. Support and Control Functions The company manages and offers products that are technology based, or that otherwise are offered centrally through the company’s home office. These include products that are marketed through the regional offices, such as its Internet banking product for commercial and retail customers (Bank SNB DirectBanker), commercial information, and item processing services (Bank SNB Digital Lockbox). The company’s technology products are marketed to existing customers and to help develop new customer relationships. Banking Centers and Geographic Markets As of December 31, 2015, the company had 32 full-service banking centers. The majority of its full-service banking centers are located along the heavily populated areas on the I-35 corridor through Texas, Oklahoma, and Kansas: five located in Stillwater, Oklahoma; nine

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Industry Average

Valuation SOD Industry Range
Price/Earnings 23.5x
Price/Sales 4.0x
Price/Book 1.3x
Price/Cash Flow 22.5x
TEV/Sales 0.7x

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