BlastPoint's Banking Scorecard

The Security National Bank of Enid

$100M-$1B Specialty: Commercial OK FDIC cert 14966

Enid, OK

3 branches across OK

2664 banks in the $100M-$1B peer group nationally 107 in OK

The Security National Bank of Enid has 3 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ ROA 0.18% above tier average
+ Efficiency Ratio 13.76% below tier average
+ Delinquency Rate 0.67% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 0.85% below tier average

Get updates when The Security National Bank of Enid releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Total Assets ?	$401.4M +0.5% YoY +2.8% QoQ	+$15.3M	$386.1M +0.5% YoY	$1.2B +6.7% YoY	$6.2B +9.1% YoY	61%
Total Loans ?	$231.7M +4.2% YoY +1.2% QoQ	-$24.0M	$255.7M +1.1% YoY	$822.6M +7.2% YoY	$3.2B +10.8% YoY	56%
Total Deposits ?	$366.6M -0.2% YoY +2.9% QoQ	+$38.6M	$328.0M +0.1% YoY	$956.7M +4.7% YoY	$4.8B +8.2% YoY	66%
Return on Assets ?	1.45% +23.8% YoY +3.2% QoQ	+0.18%	1.27% +12.9% YoY	1.34% +7.6% YoY	1.23% +13.4% YoY	65%
Net Interest Margin ?	3.08% +17.1% YoY +4.6% QoQ	-0.85%	3.93% +6.0% YoY	4.25% +2.4% YoY	3.89% +5.7% YoY	Bottom 13.6% in tier
Efficiency Ratio ?	51.53% -9.4% YoY -4.8% QoQ	-13.76%	65.29% -4.5% YoY	65.16% -1.8% YoY	66.95% -4.1% YoY	81%
Delinquency Rate ?	0.22% -38.9% YoY -12.8% QoQ	-0.67%	0.89% +18.8% YoY	1.61% +16.3% YoY	0.95% +18.8% YoY	63%
Loan-to-Deposit Ratio ?	63.20% +4.4% YoY -1.6% QoQ	-13.44%	76.64% +0.8% YoY	73.83% +1.6% YoY	76.70% +0.9% YoY	77%
Non-Interest-Bearing Deposit Share ?	26.90% -2.6% YoY -1.4% QoQ	+4.88%	22.02% -1.0% YoY	23.68% -1.7% YoY	22.01% -1.2% YoY	73%
Nonperforming Asset Ratio ?	0.12% -36.6% YoY -14.1% QoQ	-0.51%	0.64% +19.7% YoY	1.12% +15.3% YoY	0.67% +19.3% YoY	67%
Tier 1 Capital Ratio ?	17.16% +0.6% YoY +1.2% QoQ	+1.33%	15.83% +1.5% YoY	14.36% -1.8% YoY	17.06% +0.8% YoY	78%
Non-Interest Income / Assets ?	0.07% +2.4% YoY -75.7% QoQ	-0.21%	0.28% +9.3% YoY	0.15% -5.6% YoY	0.32% +4.1% YoY	32%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (3 metrics)

496

Efficiency Ratio

profitability

Value: 51.53%

Peer Median: 65.29%

#496 of 2664 Top 18.6% in $100M-$1B

597

Tier 1 Capital Ratio

capital

Value: 17.16%

Peer Median: 15.83%

#597 of 2664 Top 22.4% in $100M-$1B

605

Loan-to-Deposit Ratio

liquidity

Value: 63.20%

Peer Median: 76.64%

#605 of 2664 Top 22.7% in $100M-$1B

Top Weaknesses (1 metrics)

2304

Net Interest Margin

profitability

Value: 3.08%

Peer Median: 3.93%

#2304 of 2664 Bottom 13.6% in $100M-$1B