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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 $7.9MQ2 2025Q2 2026
Deposit mix
76%Interest-bearing $187.9M24%Noninterest $60.0MQ2 2025Q2 2026

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%

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.

Financial Results

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

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.53%1.41%1.35%1.50%1.72%+19 bps
Return on Equity15.94%14.35%13.67%14.91%16.85%+91 bps
Net Interest Margin3.81%3.86%3.92%4.16%4.21%+39 bps
Efficiency Ratio53.12%56.70%58.05%52.13%47.99%-513 bps
Non-Interest Burden1.62%1.85%2.00%1.81%1.71%+9 bps
Growth
Asset Growth (YoY)2.74%3.75%5.57%7.41%4.44%+169 bps
Loan Growth (YoY)-2.19%-1.18%10.51%15.43%11.46%+1,365 bps
Deposit Growth (YoY)5.46%7.29%4.77%7.24%3.52%-194 bps
Asset Quality
Nonperforming Loans / Loans1.22%0.97%0.68%0.75%0.67%-55 bps
Net Charge-Offs / Loans0.60%0.41%0.28%-0.01%0.06%-54 bps
Allowance / Loans1.84%1.88%1.79%1.79%1.89%+5 bps
Allowance Coverage of NPLs1.5x1.9x2.6x2.4x2.8x+1.3x
Capital
Tier 1 Leverage Ratio10.83%10.78%10.53%10.43%10.73%-10 bps
Total Risk-Based Capital10.83%10.78%10.53%10.43%10.73%-10 bps
Equity / Assets9.65%10.46%10.19%9.95%10.48%+83 bps
Liquidity & Funding
Loans / Deposits65.24%66.31%70.47%70.44%70.25%+500 bps
Liquid Assets / Assets0.00%0.00%0.00%1.74%1.79%+179 bps
CRE / Total Capitaln/a66.07%73.78%71.22%n/an/a