Wewoka, OK · Cert 8980 · Security Bancshares Corp.
State charter, non-member · FDIC · 4 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.35% | 2.62% | 2.67% | 2.31% | 2.47% | +12 bps | |
| Return on Equity | 23.54% | 24.44% | 24.11% | 21.02% | 21.22% | -232 bps | |
| Net Interest Margin | 4.51% | 4.59% | 4.66% | 4.65% | 4.73% | +22 bps | |
| Efficiency Ratio | 39.14% | 42.07% | 40.82% | 40.33% | 39.95% | +81 bps | |
| Non-Interest Burden | 1.53% | 1.66% | 1.47% | 1.64% | 1.65% | +12 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 / Loans | 2.06% | 1.62% | 1.31% | 1.18% | 0.69% | -137 bps | |
| Net Charge-Offs / Loans | 0.57% | 0.76% | 0.89% | 0.13% | 0.97% | +40 bps | |
| Allowance / Loans | 1.70% | 1.55% | 1.64% | 1.57% | 1.41% | -29 bps | |
| Allowance Coverage of NPLs | 0.8x | 1.0x | 1.3x | 1.3x | 2.0x | +1.2x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.56% | 12.12% | 11.07% | 11.71% | 12.41% | +85 bps | |
| Total Risk-Based Capital | 19.37% | 20.38% | 19.42% | 19.22% | 20.79% | +142 bps | |
| Equity / Assets | 10.07% | 11.40% | 10.72% | 11.28% | 11.99% | +191 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 67.59% | 72.15% | 61.13% | 68.62% | 72.27% | +468 bps | |
| Liquid Assets / Assets | 0.90% | 0.41% | 1.94% | 2.15% | 1.80% | +90 bps | |
| CRE / Total Capital | n/a | 43.24% | 50.63% | 49.61% | n/a | n/a | |