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Security Bank and Trust Company

Miami, OK · Cert 9881 · SSB Holdings Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in OK3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in OK (n=88 to 89). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

14

Q2 2024Q2 2026peer median (50)

Asset Quality

53

Q2 2024Q2 2026peer median (50)

Profitability

61

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

49

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Security Bank and Trust Company

Miami, OK · Cert 9881 · SSB Holdings Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$166.9MAssets
$137.4MLoans
$145.4MDeposits
$12.6MEquity
Loan mix
79%RE $98.8M17%C&I $21.9M4%Consumer $5.2MQ2 2025Q2 2026
Deposit mix
84%Interest-bearing $121.4M16%Noninterest $24.0MQ2 2025Q2 2026

NIM

6.28%Q2 ’246.54%Q2 ’256.36%Q2 ’26+5%+5%

Non-interest income vs. expense

2.84%Q2 ’242.86%Q2 ’252.85%Q2 ’26+3%-1%

Executive Summary

  • Earnings: ROA of 1.20%, up 15 bps year over year; NIM at 4.17%.
  • Asset quality: problem loans at 1.41% of loans (+115 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 8.04%, down 27 bps from a year ago.
  • Funding: loans stand at 94.55% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.20%+15 bps YoY

Net Interest Margin (YTD, annualized)

4.17%+21 bps YoY

Efficiency Ratio (YTD, annualized)

61.42%-318 bps YoY

Tier 1 Leverage Ratio

8.04%-27 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.06%0.99%1.02%1.20%1.20%+15 bps
Return on Equity13.57%12.62%13.01%14.97%15.31%+174 bps
Net Interest Margin3.96%3.99%4.05%4.34%4.17%+21 bps
Efficiency Ratio64.59%63.54%64.36%61.62%61.42%-318 bps
Non-Interest Burden2.38%2.35%2.42%2.43%2.36%-1 bps
Growth
Asset Growth (YoY)6.64%0.80%3.09%4.89%10.54%+390 bps
Loan Growth (YoY)9.04%1.00%3.04%8.86%11.75%+271 bps
Deposit Growth (YoY)4.23%4.63%-0.89%2.89%10.23%+600 bps
Asset Quality
Nonperforming Loans / Loans0.26%1.07%0.89%1.43%1.41%+115 bps
Net Charge-Offs / Loans0.01%0.13%0.09%0.01%0.00%-2 bps
Allowance / Loans1.33%1.48%1.50%1.53%1.52%+19 bps
Allowance Coverage of NPLs5.1x1.4x1.7x1.1x1.1x-4.0x
Capital
Tier 1 Leverage Ratio8.32%8.32%8.31%8.63%8.04%-27 bps
Total Risk-Based Capital11.32%11.55%11.51%11.57%10.90%-43 bps
Equity / Assets7.82%7.97%7.96%8.10%7.54%-28 bps
Liquidity & Funding
Loans / Deposits93.25%87.45%93.43%94.66%94.55%+129 bps
Liquid Assets / Assets0.70%0.84%0.78%0.80%0.76%+6 bps
CRE / Total Capitaln/a418%414%409%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Security Bank and Trust Company

Miami, OK · Cert 9881 · Peer group: banks under $1B in assets in OK (n=88-89) · SSB Holdings Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$166.9MAssets
$137.4MLoans
$145.4MDeposits
$12.6MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 80% of banks under $1B in assets in OK (rank 18 of 89).
  • Widest gap: tier 1 capital ratio trails 93% of banks under $1B in assets in OK (rank 83 of 89).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

1.14%

Rank 54 of 89

Net Interest Margin

4.17%

Rank 33 of 89

Efficiency Ratio

61.50%

Rank 46 of 89

Equity / Assets

7.54%

Rank 80 of 89

Non-interest income vs. expense

$0.8M$4.6MINCOMEEXPENSE
Unfavorable gap of $3.8M · efficiency ratio beats 49% of banks under $1B in assets in OK
Bank 61.50%Peer median 61.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.14%0.85%1.26%1.60%Beats 39%54 / 89
Return on Equity15.12%7.40%11.89%14.65%Beats 80%18 / 89
Net Interest Margin4.17%3.46%3.93%4.45%Beats 63%33 / 89
Efficiency Ratio61.50%54.70%60.95%71.14%Beats 49%46 / 89
Asset Quality
Nonperforming Loans / Loans1.41%0.30%0.82%2.25%Beats 39%55 / 88
Net Charge-Offs / Loans0.01%0.00%0.03%0.20%Beats 66%31 / 88
Capital
Tier 1 Capital Ratio9.64%10.89%13.00%16.33%Beats 7%83 / 89
Total Risk-Based Capital Ratio10.90%11.20%13.06%16.33%Beats 24%68 / 89
Equity / Assets7.54%9.26%10.94%13.52%Beats 10%80 / 89
Liquidity & Funding
Loans / Deposits94.55%61.51%72.27%84.01%93rd pctl6 / 88
Loans / Assets82.33%52.51%63.15%71.27%92nd pctl7 / 89
Brokered Deposits / Depositsn/aNot reported for this institution