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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 $7.9MQ3 2024Q2 2026
Deposit mix
76%Interest-bearing $187.9M24%Noninterest $60.0MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.92%, up 52 bps year over year; NIM at 4.28%.
  • Asset quality: problem loans at 0.67% of loans (-55 bps YoY), with net charge-offs at 0.12%.
  • 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 (quarter, annualized)

1.92%+52 bps YoY

Net Interest Margin (quarter, annualized)

4.28%+48 bps YoY

Efficiency Ratio (quarter, annualized)

43.73%-859 bps YoY

Tier 1 Leverage Ratio

10.73%-10 bps YoY

NIM

5.76%Q2 ’245.48%Q2 ’255.56%Q2 ’26-3%+13%

Non-interest income vs. expense

2.33%Q2 ’242.25%Q2 ’252.04%Q2 ’26+10%-6%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.81%0.86%1.66%1.40%1.17%1.18%1.50%1.92%+52 bps
Return on Equity17.88%8.53%17.32%14.49%11.65%11.39%14.91%18.79%+430 bps
Net Interest Margin4.01%3.84%3.83%3.80%4.06%4.17%4.16%4.28%+48 bps
Efficiency Ratio49.38%60.01%53.83%52.32%63.81%62.21%52.13%43.73%-859 bps
Non-Interest Burden1.63%2.04%1.52%1.71%2.36%2.46%1.81%1.62%-10 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 / Loans0.07%0.31%1.27%-0.08%0.06%-0.02%-0.01%0.12%+20 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