Security National Bank of Enid, The
Enid, OK · Cert 14966 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Security Finl Services Corp.
National charter · OCC · 3 branches
Q2 2026
$400.4MAssets
$235.8MLoans
$366.0MDeposits
$33.5MEquity
Executive Summary
- Strongest standing: return on equity outperforms 88% of banks under $1B in assets operating in a single state (rank 88 of 746).
- Widest gap: equity / assets trails 83% of banks under $1B in assets operating in a single state (rank 616 of 746).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.36%
Rank 227 of 746
Net Interest Margin
3.01%
Rank 610 of 746
Efficiency Ratio
50.24%
Rank 110 of 746
Equity / Assets
8.37%
Rank 616 of 746
Non-interest income vs. expense
Unfavorable gap of $5.6M · efficiency ratio beats 85% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.36% | 0.72% | 1.06% | 1.45% | Beats 70% | 227 / 746 | | |
| Return on Equity | 16.27% | 6.74% | 10.51% | 13.63% | Beats 88% | 88 / 746 | | |
| Net Interest Margin | 3.01% | 3.17% | 3.68% | 4.16% | Beats 18% | 610 / 746 | | |
| Efficiency Ratio | 50.24% | 55.74% | 64.58% | 75.47% | Beats 85% | 110 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.14% | 0.09% | 0.42% | 1.07% | Beats 70% | 221 / 743 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 71% | 223 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 17.22% | 11.55% | 13.75% | 17.60% | Beats 73% | 201 / 746 | | |
| Total Risk-Based Capital Ratio | 18.48% | 11.71% | 14.33% | 18.43% | Beats 75% | 183 / 746 | | |
| Equity / Assets | 8.37% | 8.90% | 10.51% | 13.06% | Beats 17% | 616 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 64.43% | 61.31% | 78.27% | 90.78% | 29th pctl | 531 / 746 | | |
| Loans / Assets | 58.89% | 53.60% | 66.97% | 76.08% | 34th pctl | 495 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |