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Security State Bank

Cheyenne, OK · Cert 421 · Cheyenne Banking Corp.

State charter, non-member · FDIC · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in OK3

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 OK (n=88 to 89). 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

26

Q2 2024Q2 2026peer median (50)

Asset Quality

49

Q2 2024Q2 2026peer median (50)

Profitability

77

Q2 2024Q2 2026peer median (50)

Liquidity

95

Q2 2024Q2 2026peer median

Efficiency

89

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 State Bank

Cheyenne, OK · Cert 421 · Cheyenne Banking Corp.

State charter, non-member · FDIC · 3 branches

Q2 2026

$279.5MAssets
$174.1MLoans
$247.9MDeposits
$29.3MEquity
Loan mix
76%RE $85.1M17%C&I $19.1M7%Consumer $7.9MQ3 2024Q2 2026
Deposit mix
76%Interest-bearing $187.9M24%Noninterest $60.0MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.72%, up 19 bps year over year; NIM at 4.21%.
  • Asset quality: problem loans at 0.67% of loans (-55 bps YoY), with net charge-offs at 0.06%.
  • Capital: tier 1 leverage ratio of 10.73%, down 10 bps from a year ago.
  • Funding: loans stand at 70.25% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.72%+19 bps YoY

Net Interest Margin (YTD, annualized)

4.21%+39 bps YoY

Efficiency Ratio (YTD, annualized)

47.99%-513 bps YoY

Tier 1 Leverage Ratio

10.73%-10 bps YoY

NIM

5.69%Q2 ’245.51%Q2 ’255.52%Q2 ’26-3%+10%

Non-interest income vs. expense

2.39%Q2 ’242.45%Q2 ’252.27%Q2 ’26-8%+5%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.62%1.44%1.66%1.53%1.41%1.35%1.50%1.72%+19 bps
Return on Equity16.65%14.78%17.32%15.94%14.35%13.67%14.91%16.85%+91 bps
Net Interest Margin3.95%3.93%3.83%3.81%3.86%3.92%4.16%4.21%+39 bps
Efficiency Ratio51.74%53.75%53.83%53.12%56.70%58.05%52.13%47.99%-513 bps
Non-Interest Burden1.71%1.80%1.52%1.62%1.85%2.00%1.81%1.71%+9 bps
Growth
Asset Growth (YoY)9.08%1.53%2.97%2.74%3.75%5.57%7.41%4.44%+169 bps
Loan Growth (YoY)6.18%1.20%-1.49%-2.19%-1.18%10.51%15.43%11.46%+1,365 bps
Deposit Growth (YoY)3.78%1.40%5.19%5.46%7.29%4.77%7.24%3.52%-194 bps
Asset Quality
Nonperforming Loans / Loans0.47%1.28%1.08%1.22%0.97%0.68%0.75%0.67%-55 bps
Net Charge-Offs / Loans0.09%0.15%1.27%0.60%0.41%0.28%-0.01%0.06%-54 bps
Allowance / Loans1.94%1.98%1.74%1.84%1.88%1.79%1.79%1.89%+5 bps
Allowance Coverage of NPLs4.1x1.5x1.6x1.5x1.9x2.6x2.4x2.8x+1.3x
Capital
Tier 1 Leverage Ratio11.09%10.77%10.68%10.83%10.78%10.53%10.43%10.73%-10 bps
Total Risk-Based Capital11.09%10.77%10.68%10.83%10.78%10.53%10.43%10.73%-10 bps
Equity / Assets10.64%9.52%9.70%9.65%10.46%10.19%9.95%10.48%+83 bps
Liquidity & Funding
Loans / Deposits72.00%66.81%65.44%65.24%66.31%70.47%70.44%70.25%+500 bps
Liquid Assets / Assets1.78%0.19%0.09%0.00%0.00%0.00%1.74%1.79%+179 bps
CRE / Total Capitaln/an/an/an/a66.07%73.78%71.22%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 State Bank

Cheyenne, OK · Cert 421 · Peer group: banks under $1B in assets in OK (n=88-89) · Cheyenne Banking Corp.

State charter, non-member · FDIC · 3 branches

Q2 2026

$279.5MAssets
$174.1MLoans
$247.9MDeposits
$29.3MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 89% of banks under $1B in assets in OK (rank 11 of 89).
  • Widest gap: total risk-based capital ratio trails 84% of banks under $1B in assets in OK (rank 75 of 89).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.73%

Rank 15 of 89

Net Interest Margin

4.21%

Rank 31 of 89

Efficiency Ratio

47.99%

Rank 11 of 89

Equity / Assets

10.48%

Rank 51 of 89

Non-interest income vs. expense

$1.6M$6.4MINCOMEEXPENSE
Unfavorable gap of $4.8M · efficiency ratio beats 89% of banks under $1B in assets in OK
Bank 47.99%Peer median 61.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.73%0.85%1.26%1.60%Beats 83%15 / 89
Return on Equity16.51%7.40%11.89%14.65%Beats 82%16 / 89
Net Interest Margin4.21%3.46%3.93%4.45%Beats 65%31 / 89
Efficiency Ratio47.99%54.70%60.95%71.14%Beats 89%11 / 89
Asset Quality
Nonperforming Loans / Loans0.67%0.30%0.82%2.25%Beats 57%39 / 88
Net Charge-Offs / Loans0.05%0.00%0.03%0.20%Beats 40%54 / 88
Capital
Tier 1 Capital Ratio10.73%10.89%13.00%16.33%Beats 18%73 / 89
Total Risk-Based Capital Ratio10.73%11.20%13.06%16.33%Beats 16%75 / 89
Equity / Assets10.48%9.26%10.94%13.52%Beats 43%51 / 89
Liquidity & Funding
Loans / Deposits70.25%61.51%72.27%84.01%44th pctl49 / 88
Loans / Assets62.29%52.51%63.15%71.27%47th pctl47 / 89
Brokered Deposits / Depositsn/aNot reported for this institution