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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 $38.0MQ3 2024Q2 2026
Deposit mix
61%Interest-bearing $173.9M39%Noninterest $113.5MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 2.47%, up 12 bps year over year; NIM at 4.73%.
  • Asset quality: problem loans at 0.69% of loans (-137 bps YoY), with net charge-offs at 0.97%.
  • 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.

Return on Assets (quarter, annualized)

2.47%+12 bps YoY

Net Interest Margin (quarter, annualized)

4.73%+22 bps YoY

Efficiency Ratio (quarter, annualized)

39.95%+81 bps YoY

Tier 1 Leverage Ratio

12.41%+85 bps YoY

NIM

5.94%Q2 ’246.21%Q2 ’256.30%Q2 ’26+7%+5%

Non-interest income vs. expense

1.98%Q2 ’241.94%Q2 ’252.05%Q2 ’26-1%+8%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.12%2.03%1.67%2.35%2.62%2.67%2.31%2.47%+12 bps
Return on Equity14.66%16.71%17.14%23.54%24.44%24.11%21.02%21.22%-232 bps
Net Interest Margin4.33%4.40%4.44%4.51%4.59%4.66%4.65%4.73%+22 bps
Efficiency Ratio41.92%44.42%42.61%39.14%42.07%40.82%40.33%39.95%+81 bps
Non-Interest Burden1.62%1.40%1.69%1.53%1.66%1.47%1.64%1.65%+12 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 / Loans1.94%1.82%1.96%2.06%1.62%1.31%1.18%0.69%-137 bps
Net Charge-Offs / Loans0.20%0.31%0.17%0.57%0.76%0.89%0.13%0.97%+40 bps
Allowance / Loans1.84%1.74%1.76%1.70%1.55%1.64%1.57%1.41%-29 bps
Allowance Coverage of NPLs0.9x1.0x0.9x0.8x1.0x1.3x1.3x2.0x+1.2x
Capital
Tier 1 Leverage Ratio15.64%11.22%11.27%11.56%12.12%11.07%11.71%12.41%+85 bps
Total Risk-Based Capital23.85%17.57%19.24%19.37%20.38%19.42%19.22%20.79%+142 bps
Equity / Assets14.83%9.59%9.89%10.07%11.40%10.72%11.28%11.99%+191 bps
Liquidity & Funding
Loans / Deposits64.65%62.68%62.41%67.59%72.15%61.13%68.62%72.27%+468 bps
Liquid Assets / Assets3.74%0.75%1.54%0.90%0.41%1.94%2.15%1.80%+90 bps
CRE / Total Capitaln/an/an/an/a43.24%50.63%49.61%n/an/a