Wewoka, OK · Cert 8980 · Security Bancshares Corp.
State charter, non-member · FDIC · 4 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
78
Asset Quality
36
Profitability
91
Liquidity
100
Efficiency
98
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.
Wewoka, OK · Cert 8980 · Security Bancshares Corp.
State charter, non-member · FDIC · 4 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.88% | 1.91% | 1.67% | 2.01% | 2.22% | 2.34% | 2.31% | 2.39% | +38 bps | |
| Return on Equity | 13.59% | 14.77% | 17.14% | 20.44% | 21.68% | 22.58% | 21.02% | 21.13% | +69 bps | |
| Net Interest Margin | 4.19% | 4.17% | 4.44% | 4.42% | 4.45% | 4.45% | 4.65% | 4.71% | +29 bps | |
| Efficiency Ratio | 42.04% | 42.73% | 42.61% | 40.83% | 41.26% | 41.14% | 40.33% | 40.14% | -69 bps | |
| Non-Interest Burden | 1.54% | 1.48% | 1.69% | 1.59% | 1.60% | 1.55% | 1.64% | 1.65% | +6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.10% | 0.62% | 8.30% | 10.73% | 8.73% | 5.83% | 3.53% | 0.35% | -1,038 bps | |
| Loan Growth (YoY) | -8.31% | -6.12% | -1.97% | 2.36% | 5.53% | -0.95% | 4.65% | 4.12% | +176 bps | |
| Deposit Growth (YoY) | -1.82% | 2.93% | 6.21% | 2.47% | -5.44% | 1.56% | -4.82% | -2.62% | -509 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.94% | 1.82% | 1.96% | 2.06% | 1.62% | 1.31% | 1.18% | 0.69% | -137 bps | |
| Net Charge-Offs / Loans | 1.06% | 0.84% | 0.17% | 0.37% | 0.50% | 0.61% | 0.13% | 0.55% | +18 bps | |
| Allowance / Loans | 1.84% | 1.74% | 1.76% | 1.70% | 1.55% | 1.64% | 1.57% | 1.41% | -29 bps | |
| Allowance Coverage of NPLs | 0.9x | 1.0x | 0.9x | 0.8x | 1.0x | 1.3x | 1.3x | 2.0x | +1.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 15.64% | 11.22% | 11.27% | 11.56% | 12.12% | 11.07% | 11.71% | 12.41% | +85 bps | |
| Total Risk-Based Capital | 23.85% | 17.57% | 19.24% | 19.37% | 20.38% | 19.42% | 19.22% | 20.79% | +142 bps | |
| Equity / Assets | 14.83% | 9.59% | 9.89% | 10.07% | 11.40% | 10.72% | 11.28% | 11.99% | +191 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 64.65% | 62.68% | 62.41% | 67.59% | 72.15% | 61.13% | 68.62% | 72.27% | +468 bps | |
| Liquid Assets / Assets | 3.74% | 0.75% | 1.54% | 0.90% | 0.41% | 1.94% | 2.15% | 1.80% | +90 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 43.24% | 50.63% | 49.61% | n/a | n/a | |
Wewoka, OK · Cert 8980 · Peer group: banks under $1B in assets in OK (n=88-89) · Security Bancshares Corp.
State charter, non-member · FDIC · 4 branches
Q2 2026
Return on Assets
2.42%
Rank 2 of 89
Net Interest Margin
4.71%
Rank 18 of 89
Efficiency Ratio
40.14%
Rank 3 of 89
Equity / Assets
11.99%
Rank 35 of 89
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.42% | 0.85% | 1.26% | 1.60% | Beats 98% | 2 / 89 | ||
| Return on Equity | 20.19% | 7.40% | 11.89% | 14.65% | Beats 96% | 4 / 89 | ||
| Net Interest Margin | 4.71% | 3.46% | 3.93% | 4.45% | Beats 80% | 18 / 89 | ||
| Efficiency Ratio | 40.14% | 54.70% | 60.95% | 71.14% | Beats 98% | 3 / 89 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.69% | 0.30% | 0.82% | 2.25% | Beats 53% | 42 / 88 | ||
| Net Charge-Offs / Loans | 0.37% | 0.00% | 0.03% | 0.20% | Beats 18% | 73 / 88 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 19.59% | 10.89% | 13.00% | 16.33% | Beats 85% | 13 / 89 | ||
| Total Risk-Based Capital Ratio | 20.79% | 11.20% | 13.06% | 16.33% | Beats 87% | 12 / 89 | ||
| Equity / Assets | 11.99% | 9.26% | 10.94% | 13.52% | Beats 61% | 35 / 89 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 72.27% | 61.51% | 72.27% | 84.01% | 50th pctl | 44 / 88 | ||
| Loans / Assets | 53.51% | 52.51% | 63.15% | 71.27% | 26th pctl | 66 / 89 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||