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 | |