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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.93% | 0.90% | 0.94% | 1.12% | 1.19% | 1.25% | 1.24% | 1.50% | +38 bps | |
| Return on Equity | 11.81% | 11.33% | 12.14% | 14.04% | 13.80% | 14.13% | 14.53% | 17.87% | +383 bps | |
| Net Interest Margin | 2.48% | 2.60% | 2.53% | 2.77% | 2.89% | 3.07% | 3.00% | 3.13% | +36 bps | |
| Efficiency Ratio | 58.71% | 60.50% | 56.88% | 53.48% | 53.58% | 52.83% | 51.53% | 49.04% | -443 bps | |
| Non-Interest Burden | 1.32% | 1.44% | 1.31% | 1.35% | 1.41% | 1.48% | 1.40% | 1.40% | +4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.75% | 1.97% | 6.87% | 3.89% | -1.09% | 2.07% | 0.53% | 2.56% | -133 bps | |
| Loan Growth (YoY) | 7.00% | 7.59% | 9.47% | 7.62% | 6.98% | 6.03% | 4.10% | 4.88% | -274 bps | |
| Deposit Growth (YoY) | 5.27% | 1.29% | 6.21% | 3.17% | -2.04% | 1.12% | -0.16% | 2.31% | -86 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.47% | 0.31% | 0.35% | 0.24% | 0.24% | 0.24% | 0.21% | 0.14% | -9 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.57% | -0.01% | 0.33% | -0.01% | -0.01% | 0.00% | -0.01% | -34 bps | |
| Allowance / Loans | 1.63% | 1.42% | 1.38% | 1.31% | 1.30% | 1.27% | 1.26% | 1.25% | -5 bps | |
| Allowance Coverage of NPLs | 3.4x | 4.7x | 4.0x | 5.5x | 5.5x | 5.2x | 5.9x | 8.7x | +3.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.87% | 8.98% | 8.80% | 8.64% | 8.94% | 9.18% | 8.95% | 8.74% | +10 bps | |
| Total Risk-Based Capital | 18.86% | 18.13% | 18.31% | 18.80% | 19.32% | 18.21% | 18.41% | 18.48% | -32 bps | |
| Equity / Assets | 8.18% | 7.73% | 7.82% | 8.16% | 9.08% | 8.59% | 8.43% | 8.37% | +20 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 61.79% | 62.05% | 61.39% | 62.85% | 67.49% | 65.07% | 64.01% | 64.43% | +157 bps | |
| Liquid Assets / Assets | 2.84% | 0.01% | 9.40% | 7.23% | 0.08% | 1.66% | 5.36% | 4.19% | -304 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 240% | 247% | 246% | n/a | n/a | |