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Security Bank

Tulsa, OK · Cert 4178 · Pawnee Holding Co. Inc.

State charter, Fed member · FED · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Tulsa, OK area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in the Tulsa, OK area (n=18). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

59

Q2 2024Q2 2026peer median (50)

Asset Quality

59

Q2 2024Q2 2026peer median (50)

Profitability

61

Q2 2024Q2 2026peer median (50)

Liquidity

33

Q2 2024Q2 2026peer median

Efficiency

100

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Security Bank

Tulsa, OK · Cert 4178 · Pawnee Holding Co. Inc.

State charter, Fed member · FED · 1 branch

Q2 2026

$939.0MAssets
$774.8MLoans
$827.5MDeposits
$108.6MEquity
Loan mix
74%RE $561.1M26%C&I $197.5M1%Consumer $4.3MQ2 2025Q2 2026
Deposit mix
81%Interest-bearing $671.0M19%Noninterest $156.5MQ2 2025Q2 2026

NIM

7.11%Q2 ’246.99%Q2 ’256.60%Q2 ’26+3%+3%

Non-interest income vs. expense

1.71%Q2 ’241.71%Q2 ’251.83%Q2 ’26+1%+9%

Market Position · Tulsa, OK · 2026 SOD (annual) · 2.1% share · #14 of 59 inst. · $0.8B of $39.3B

Executive Summary

  • Earnings: ROA of 1.78%, down 13 bps year over year; NIM at 4.13%.
  • Asset quality: problem loans at 0.15% of loans (-38 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 11.84%, up 42 bps from a year ago.
  • Funding: loans stand at 93.63% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.78%-13 bps YoY

Net Interest Margin (YTD, annualized)

4.13%+11 bps YoY

Efficiency Ratio (YTD, annualized)

43.04%+206 bps YoY

Tier 1 Leverage Ratio

11.84%+42 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.91%1.88%1.90%1.75%1.78%-13 bps
Return on Equity17.14%16.88%16.96%15.06%15.32%-181 bps
Net Interest Margin4.03%4.06%4.05%4.14%4.13%+11 bps
Efficiency Ratio40.97%40.05%40.26%43.59%43.04%+206 bps
Non-Interest Burden1.57%1.55%1.55%1.75%1.72%+15 bps
Growth
Asset Growth (YoY)7.47%7.30%2.72%2.59%3.96%-351 bps
Loan Growth (YoY)4.76%2.15%0.02%0.28%0.25%-450 bps
Deposit Growth (YoY)7.21%7.34%2.15%2.01%3.54%-367 bps
Asset Quality
Nonperforming Loans / Loans0.52%0.56%0.29%0.25%0.15%-38 bps
Net Charge-Offs / Loans-0.33%-0.09%0.07%0.03%0.02%+35 bps
Allowance / Loans2.03%2.09%1.96%1.96%1.97%-6 bps
Allowance Coverage of NPLs3.9x3.7x6.7x7.9x13.3x+9.5x
Capital
Tier 1 Leverage Ratio11.42%11.33%11.36%12.01%11.84%+42 bps
Total Risk-Based Capital14.14%14.52%14.52%14.80%14.60%+46 bps
Equity / Assets11.21%11.16%11.49%11.79%11.57%+36 bps
Liquidity & Funding
Loans / Deposits96.70%92.59%94.68%95.19%93.63%-307 bps
Liquid Assets / Assets10.46%14.28%12.54%12.54%13.60%+313 bps
CRE / Total Capitaln/a422%421%421%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Security Bank

Tulsa, OK · Cert 4178 · Peer group: banks under $1B in assets in the Tulsa, OK area (n=18) · Pawnee Holding Co. Inc.

State charter, Fed member · FED · 1 branch

Q2 2026

$939.0MAssets
$774.8MLoans
$827.5MDeposits
$108.6MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 100% of banks under $1B in assets in the Tulsa, OK area (rank 1 of 18).
  • Widest gap: net interest margin trails 61% of banks under $1B in assets in the Tulsa, OK area (rank 11 of 18).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

1.74%

Rank 5 of 18

Net Interest Margin

4.13%

Rank 11 of 18

Efficiency Ratio

43.04%

Rank 1 of 18

Equity / Assets

11.57%

Rank 9 of 18

Non-interest income vs. expense

$1.0M$16.8MINCOMEEXPENSE
Unfavorable gap of $15.8M · efficiency ratio beats 100% of banks under $1B in assets in the Tulsa, OK area
Bank 43.04%Peer median 62.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.74%0.94%1.44%1.74%Beats 72%5 / 18
Return on Equity15.04%9.63%12.74%15.04%Beats 72%5 / 18
Net Interest Margin4.13%3.75%4.31%4.83%Beats 39%11 / 18
Efficiency Ratio43.04%53.05%62.57%69.59%Beats 100%1 / 18
Asset Quality
Nonperforming Loans / Loans0.15%0.01%0.41%0.86%Beats 61%8 / 18
Net Charge-Offs / Loans0.02%0.00%0.02%0.05%Beats 56%9 / 18
Capital
Tier 1 Capital Ratio13.34%11.17%13.04%15.32%Beats 61%7 / 18
Total Risk-Based Capital Ratio14.60%11.17%13.81%15.32%Beats 67%6 / 18
Equity / Assets11.57%9.28%11.57%13.43%Beats 50%9 / 18
Liquidity & Funding
Loans / Deposits93.63%72.39%85.72%91.52%78th pctl4 / 18
Loans / Assets82.51%60.70%74.00%81.85%78th pctl4 / 18
Brokered Deposits / Depositsn/aNot reported for this institution