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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

6.37%Q2 ’246.67%Q2 ’256.55%Q2 ’26+10%+4%

Non-interest income vs. expense

3.03%Q2 ’242.83%Q2 ’252.85%Q2 ’26-6%+4%

Executive Summary

  • Earnings: ROA of 1.22%, up 13 bps year over year; NIM at 4.27%.
  • Asset quality: problem loans at 1.41% of loans (+115 bps YoY), with net recoveries of 0.01%.
  • 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 (quarter, annualized)

1.22%+13 bps YoY

Net Interest Margin (quarter, annualized)

4.27%+18 bps YoY

Efficiency Ratio (quarter, annualized)

61.21%-91 bps YoY

Tier 1 Leverage Ratio

8.04%-27 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.08%0.85%1.11%1.20%1.22%+13 bps
Return on Equity13.72%10.79%13.95%14.97%15.57%+186 bps
Net Interest Margin4.10%4.11%4.19%4.34%4.27%+18 bps
Efficiency Ratio62.12%61.53%66.69%61.62%61.21%-91 bps
Non-Interest Burden2.36%2.33%2.61%2.43%2.45%+9 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%0.36%-0.02%0.01%-0.01%-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