BlastPoint's Banking Scorecard
The Security National Bank of Enid
Enid, OK
3 branches across OK
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 106 in OK.
- Deposits +2.3% year over year ($366.0M on the books).
- Delinquency rate 0.15%.
- Return on assets 1.63%.
- Efficiency ratio 50.24% vs a 64.48% peer average.
- Loan-to-deposit ratio 63.62% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Security National Bank of Enid has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.31% above tier average
- + Efficiency Ratio 14.24% below tier average
- + Delinquency Rate 0.77% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.81% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$400.4M
+2.6% YoY
-0.2% QoQ
|
+$13.8M |
$386.6M
+1.2% YoY
|
$1.3B
+6.0% YoY
|
$6.3B
+7.7% YoY
|
62% |
| Total Loans ? |
$232.8M
+4.9% YoY
+0.5% QoQ
|
-$25.5M |
$258.3M
+1.7% YoY
|
$835.5M
+7.1% YoY
|
$3.2B
+9.4% YoY
|
55% |
| Total Deposits ? |
$366.0M
+2.3% YoY
-0.2% QoQ
|
+$39.2M |
$326.7M
+0.7% YoY
|
$967.8M
+5.8% YoY
|
$4.9B
+7.3% YoY
|
65% |
| Return on Assets ? |
1.63%
+26.0% YoY
+12.6% QoQ
|
+0.31% |
1.32%
+10.8% YoY
|
1.35%
+7.7% YoY
|
1.30%
+12.1% YoY
|
72% |
| Net Interest Margin ? |
3.17%
+14.2% YoY
+3.1% QoQ
|
-0.81% |
3.99%
+5.0% YoY
|
4.27%
+1.9% YoY
|
3.95%
+4.9% YoY
|
15% |
| Efficiency Ratio ? |
50.24%
-8.8% YoY
-2.5% QoQ
|
-14.24% |
64.48%
-3.2% YoY
|
64.81%
-3.0% YoY
|
70.05%
+2.5% YoY
|
83% |
| Delinquency Rate ? |
0.15%
-39.6% YoY
-32.6% QoQ
|
-0.77% |
0.92%
+15.7% YoY
|
1.78%
+23.7% YoY
|
0.98%
+16.3% YoY
|
70% |
| Loan-to-Deposit Ratio ? |
63.62%
+2.6% YoY
+0.7% QoQ
|
-14.33% |
77.95%
+1.0% YoY
|
74.14%
+1.3% YoY
|
79.03%
+2.3% YoY
|
78% |
| Non-Interest-Bearing Deposit Share ? |
26.75%
+2.7% YoY
-0.5% QoQ
|
+4.72% |
22.03%
-0.6% YoY
|
23.91%
-1.8% YoY
|
21.98%
-0.6% YoY
|
72% |
| Nonperforming Asset Ratio ? |
0.08%
-43.9% YoY
-32.1% QoQ
|
-0.58% |
0.67%
+16.4% YoY
|
1.24%
+23.1% YoY
|
0.69%
+15.8% YoY
|
73% |
| Tier 1 Capital Ratio ? |
17.22%
-1.8% YoY
+0.4% QoQ
|
+1.32% |
15.91%
+1.4% YoY
|
14.18%
-3.9% YoY
|
17.09%
+0.8% YoY
|
78% |
| Non-Interest Income / Assets ? |
0.14%
-1.6% YoY
+96.3% QoQ
|
-0.43% |
0.57%
+7.6% YoY
|
0.31%
-11.7% YoY
|
0.66%
+5.2% YoY
|
31% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
26.8%
+0.7pp YoY -0.1pp QoQ |
+4.6pp | 22.1% | 23.9% | 22.2% | 72% |
| Brokered Deposits | n/a | n/a | 7.9% | 9.7% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
8.4%
-0.1pp YoY -1.6pp QoQ |
-3.2pp | 11.6% | 15.7% | 12.5% | 43% |
| CRE |
38.9%
+1.4pp YoY +1.7pp QoQ |
-0.7pp | 39.5% | 42.0% | 41.4% | 50% |
| 1-4 Family |
39.1%
-2.2pp YoY -0.2pp QoQ |
+6.4pp | 32.6% | 24.0% | 31.3% | 68% |
| Consumer |
0.6%
-0.1pp YoY -0.2pp QoQ |
-3.5pp | 4.1% | 5.6% | 5.0% | 18% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
17.2%
-0.3pp YoY +0.1pp QoQ |
-1.6pp | 18.8% | 17.0% | 19.7% | 65% |
| Leverage Ratio |
8.7%
+0.1pp YoY -0.2pp QoQ |
-3.4pp | 12.2% | 11.7% | 12.6% | 9% |
| Total Capital Ratio |
18.5%
-0.3pp YoY +0.1pp QoQ |
-1.5pp | 19.9% | 18.2% | 20.8% | 66% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
45
+1 (+2.3%) YoY +1 (+2.3%) QoQ |
-14 | 58 | 150 | 482 | 47% |
| Assets per Employee ($) |
$8.9M
+0.3% YoY -2.5% QoQ |
+$1.4M | $7.5M | $6.5M | $8.8M | 78% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 8 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.9% | 0.4% | n/a |
| Nonaccrual |
0.1%
-0.1pp YoY -0.1pp QoQ |
-0.8pp | 0.9% | 1.5% | 1.0% | 24% |
| Allowance Coverage |
8.73x
+58.6% YoY +48.0% QoQ |
-15.42x | 24.15x | 61.99x | 20.23x | 80% |
| Net Charge-off Rate (YTD) |
-0.0%
-0.2pp YoY 0.0pp QoQ |
-0.2pp | 0.1% | 0.2% | 0.2% | 19% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
19.2%
+2.9pp YoY +2.3pp QoQ |
+7.1pp | 12.2% | 11.9% | 11.6% | 86% |
| Cost of Funds (YTD) |
1.8%
-0.2pp YoY 0.0pp QoQ |
+0.1pp | 1.7% | 1.8% | 1.7% | 55% |
| Net Income ($, YTD) |
$3.2M
+28.2% YoY — QoQ |
+$679K | $2.6M | $8.7M | $40.4M | 73% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.