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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

7.21%Q2 ’247.08%Q2 ’256.69%Q2 ’26+4%+2%

Non-interest income vs. expense

1.73%Q2 ’241.75%Q2 ’251.84%Q2 ’26-1%+8%

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

Executive Summary

  • Earnings: ROA of 1.81%, down 12 bps year over year; NIM at 4.22%.
  • Asset quality: problem loans at 0.15% of loans (-38 bps YoY), with net charge-offs at 0.01%.
  • 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 (quarter, annualized)

1.81%-12 bps YoY

Net Interest Margin (quarter, annualized)

4.22%+8 bps YoY

Efficiency Ratio (quarter, annualized)

42.51%+168 bps YoY

Tier 1 Leverage Ratio

11.84%+42 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.93%1.83%1.92%1.75%1.81%-12 bps
Return on Equity17.16%16.36%16.97%15.06%15.50%-166 bps
Net Interest Margin4.14%4.27%4.06%4.14%4.22%+8 bps
Efficiency Ratio40.83%38.33%40.87%43.59%42.51%+168 bps
Non-Interest Burden1.60%1.57%1.58%1.75%1.72%+12 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 / Loans0.03%0.40%0.55%0.03%0.01%-1 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