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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

$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