Enid, OK · Cert 14966 · Security Finl Services Corp.
National charter · OCC · 3 branches
Q2 2026
Market Position · Enid, OK · 2026 SOD (annual) · 6.3% share · #2 of 14 inst. · $0.4B of $5.8B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.04% | 1.09% | 1.13% | 1.24% | 1.37% | +33 bps | |
| Return on Equity | 13.14% | 13.34% | 13.63% | 14.53% | 16.22% | +308 bps | |
| Net Interest Margin | 2.61% | 2.74% | 2.90% | 3.00% | 3.01% | +40 bps | |
| Efficiency Ratio | 55.08% | 54.56% | 54.10% | 51.53% | 50.24% | -484 bps | |
| Non-Interest Burden | 1.32% | 1.37% | 1.43% | 1.40% | 1.38% | +6 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.89% | -1.09% | 2.07% | 0.53% | 2.56% | -133 bps | |
| Loan Growth (YoY) | 7.62% | 6.98% | 6.03% | 4.10% | 4.88% | -274 bps | |
| Deposit Growth (YoY) | 3.17% | -2.04% | 1.12% | -0.16% | 2.31% | -86 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.24% | 0.24% | 0.24% | 0.21% | 0.14% | -9 bps | |
| Net Charge-Offs / Loans | 0.16% | 0.10% | 0.07% | 0.00% | 0.00% | -16 bps | |
| Allowance / Loans | 1.31% | 1.30% | 1.27% | 1.26% | 1.25% | -5 bps | |
| Allowance Coverage of NPLs | 5.5x | 5.5x | 5.2x | 5.9x | 8.7x | +3.2x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.64% | 8.94% | 9.18% | 8.95% | 8.74% | +10 bps | |
| Total Risk-Based Capital | 18.80% | 19.32% | 18.21% | 18.41% | 18.48% | -32 bps | |
| Equity / Assets | 8.16% | 9.08% | 8.59% | 8.43% | 8.37% | +20 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 62.85% | 67.49% | 65.07% | 64.01% | 64.43% | +157 bps | |
| Liquid Assets / Assets | 7.23% | 0.08% | 1.66% | 5.36% | 4.19% | -304 bps | |
| CRE / Total Capital | n/a | 240% | 247% | 246% | n/a | n/a | |