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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

$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