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
Unfavorable gap of $4.8M · efficiency ratio beats 89% of banks under $1B in assets in OK | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.73% | 0.85% | 1.26% | 1.60% | Beats 83% | 15 / 89 | | |
| Return on Equity | 16.51% | 7.40% | 11.89% | 14.65% | Beats 82% | 16 / 89 | | |
| Net Interest Margin | 4.21% | 3.46% | 3.93% | 4.45% | Beats 65% | 31 / 89 | | |
| Efficiency Ratio | 47.99% | 54.70% | 60.95% | 71.14% | Beats 89% | 11 / 89 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.67% | 0.30% | 0.82% | 2.25% | Beats 57% | 39 / 88 | | |
| Net Charge-Offs / Loans | 0.05% | 0.00% | 0.03% | 0.20% | Beats 40% | 54 / 88 | | |
| Capital |
| Tier 1 Capital Ratio | 10.73% | 10.89% | 13.00% | 16.33% | Beats 18% | 73 / 89 | | |
| Total Risk-Based Capital Ratio | 10.73% | 11.20% | 13.06% | 16.33% | Beats 16% | 75 / 89 | | |
| Equity / Assets | 10.48% | 9.26% | 10.94% | 13.52% | Beats 43% | 51 / 89 | | |
| Liquidity & Funding |
| Loans / Deposits | 70.25% | 61.51% | 72.27% | 84.01% | 44th pctl | 49 / 88 | | |
| Loans / Assets | 62.29% | 52.51% | 63.15% | 71.27% | 47th pctl | 47 / 89 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |