Security State Bank of Oklahoma
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
$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 89).
- Widest gap: net charge-offs / loans trails 82% of banks under $1B in assets in OK (rank 73 of 88).
- Overall: at or above the peer median on 8 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $6.4M · efficiency ratio beats 98% 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 | 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 |