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Security State Bank of Oklahoma

Wewoka, OK · Cert 8980 · Security Bancshares Corp.

State charter, non-member · FDIC · 4 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=87 to 88). 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

77

Q2 2024Q2 2026peer median (50)

Asset Quality

36

Q2 2024Q2 2026peer median (50)

Profitability

91

Q2 2024Q2 2026peer median (50)

Liquidity

100

Q2 2024Q2 2026peer median

Efficiency

98

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 of Oklahoma

Wewoka, OK · Cert 8980 · Security Bancshares Corp.

State charter, non-member · FDIC · 4 branches

Q2 2026

$388.2MAssets
$207.7MLoans
$287.5MDeposits
$46.5MEquity
Loan mix
57%RE $103.1M22%C&I $40.8M21%Consumer $38.0MQ2 2025Q2 2026
Deposit mix
61%Interest-bearing $173.9M39%Noninterest $113.5MQ2 2025Q2 2026

NIM

5.88%Q2 ’246.06%Q2 ’256.19%Q2 ’26+7%+7%

Non-interest income vs. expense

1.94%Q2 ’241.98%Q2 ’252.05%Q2 ’26+5%+4%

Executive Summary

  • Earnings: ROA of 2.39%, up 38 bps year over year; NIM at 4.71%.
  • Asset quality: problem loans at 0.69% of loans (-137 bps YoY), with net charge-offs at 0.55%.
  • Capital: tier 1 leverage ratio of 12.41%, up 85 bps from a year ago.
  • Funding: loans stand at 72.27% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.39%+38 bps YoY

Net Interest Margin (YTD, annualized)

4.71%+29 bps YoY

Efficiency Ratio (YTD, annualized)

40.14%-69 bps YoY

Tier 1 Leverage Ratio

12.41%+85 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.01%2.22%2.34%2.31%2.39%+38 bps
Return on Equity20.44%21.68%22.58%21.02%21.13%+69 bps
Net Interest Margin4.42%4.45%4.45%4.65%4.71%+29 bps
Efficiency Ratio40.83%41.26%41.14%40.33%40.14%-69 bps
Non-Interest Burden1.59%1.60%1.55%1.64%1.65%+6 bps
Growth
Asset Growth (YoY)10.73%8.73%5.83%3.53%0.35%-1,038 bps
Loan Growth (YoY)2.36%5.53%-0.95%4.65%4.12%+176 bps
Deposit Growth (YoY)2.47%-5.44%1.56%-4.82%-2.62%-509 bps
Asset Quality
Nonperforming Loans / Loans2.06%1.62%1.31%1.18%0.69%-137 bps
Net Charge-Offs / Loans0.37%0.50%0.61%0.13%0.55%+18 bps
Allowance / Loans1.70%1.55%1.64%1.57%1.41%-29 bps
Allowance Coverage of NPLs0.8x1.0x1.3x1.3x2.0x+1.2x
Capital
Tier 1 Leverage Ratio11.56%12.12%11.07%11.71%12.41%+85 bps
Total Risk-Based Capital19.37%20.38%19.42%19.22%20.79%+142 bps
Equity / Assets10.07%11.40%10.72%11.28%11.99%+191 bps
Liquidity & Funding
Loans / Deposits67.59%72.15%61.13%68.62%72.27%+468 bps
Liquid Assets / Assets0.90%0.41%1.94%2.15%1.80%+90 bps
CRE / Total Capitaln/a43.24%50.63%49.61%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 of Oklahoma

Wewoka, OK · Cert 8980 · Peer group: banks under $1B in assets in OK (n=87-88) · Security Bancshares Corp.

State charter, non-member · FDIC · 4 branches

Q2 2026

$388.2MAssets
$207.7MLoans
$287.5MDeposits
$46.5MEquity

Executive Summary

  • Strongest standing: return on assets outperforms 98% of banks under $1B in assets in OK (rank 2 of 88).
  • Widest gap: net charge-offs / loans trails 82% of banks under $1B in assets in OK (rank 72 of 87).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

2.42%

Rank 2 of 88

Net Interest Margin

4.71%

Rank 18 of 88

Efficiency Ratio

40.14%

Rank 3 of 88

Equity / Assets

11.99%

Rank 35 of 88

Non-interest income vs. expense

$1.6M$8.0MINCOMEEXPENSE
Unfavorable gap of $6.4M · efficiency ratio beats 98% of banks under $1B in assets in OK
Bank 40.14%Peer median 61.5%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets2.42%0.85%1.26%1.62%Beats 98%2 / 88
Return on Equity20.19%7.40%11.89%14.66%Beats 95%4 / 88
Net Interest Margin4.71%3.51%3.93%4.47%Beats 80%18 / 88
Efficiency Ratio40.14%54.70%61.50%71.28%Beats 98%3 / 88
Asset Quality
Nonperforming Loans / Loans0.69%0.30%0.82%2.25%Beats 54%41 / 87
Net Charge-Offs / Loans0.37%0.00%0.03%0.20%Beats 18%72 / 87
Capital
Tier 1 Capital Ratio19.59%10.89%13.04%16.40%Beats 85%13 / 88
Total Risk-Based Capital Ratio20.79%11.20%13.09%16.43%Beats 86%12 / 88
Equity / Assets11.99%9.26%10.95%13.63%Beats 60%35 / 88
Liquidity & Funding
Loans / Deposits72.27%60.39%72.27%84.01%49th pctl44 / 87
Loans / Assets53.51%52.51%63.37%71.46%26th pctl65 / 88
Brokered Deposits / Depositsn/aNot reported for this institution