Security Bank and Trust Company
Miami, OK · Cert 9881 · Peer group: banks under $1B in assets in OK (n=87-88) · 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 88).
- Widest gap: tier 1 capital ratio trails 93% of banks under $1B in assets in OK (rank 82 of 88).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.14%
Rank 53 of 88
Net Interest Margin
4.17%
Rank 33 of 88
Efficiency Ratio
61.50%
Rank 45 of 88
Equity / Assets
7.54%
Rank 79 of 88
Non-interest income vs. expense
Unfavorable gap of $3.8M · efficiency ratio beats 50% of banks under $1B in assets in OK | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.14% | 0.85% | 1.26% | 1.62% | Beats 40% | 53 / 88 | |
| Return on Equity | 15.12% | 7.40% | 11.89% | 14.66% | Beats 80% | 18 / 88 | |
| Net Interest Margin | 4.17% | 3.51% | 3.93% | 4.47% | Beats 63% | 33 / 88 | |
| Efficiency Ratio | 61.50% | 54.70% | 61.50% | 71.28% | Beats 50% | 45 / 88 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.41% | 0.30% | 0.82% | 2.25% | Beats 39% | 54 / 87 | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.03% | 0.20% | Beats 67% | 30 / 87 | |
| Capital |
| Tier 1 Capital Ratio | 9.64% | 10.89% | 13.04% | 16.40% | Beats 7% | 82 / 88 | |
| Total Risk-Based Capital Ratio | 10.90% | 11.20% | 13.09% | 16.43% | Beats 24% | 67 / 88 | |
| Equity / Assets | 7.54% | 9.26% | 10.95% | 13.63% | Beats 10% | 79 / 88 | |
| Liquidity & Funding |
| Loans / Deposits | 94.55% | 60.39% | 72.27% | 84.01% | 93rd pctl | 6 / 87 | |
| Loans / Assets | 82.33% | 52.51% | 63.37% | 71.46% | 92nd pctl | 7 / 88 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |