BlastPoint's Banking Scorecard

Security Bank

$100M-$1B Specialty: Commercial OK FDIC cert 4178

Tulsa, 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 +3.5% year over year ($827.5M on the books).
Delinquency rate 0.15%.
Return on assets 2.18%.
Efficiency ratio 43.04% vs a 64.48% peer average.
Loan-to-deposit ratio 91.78% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 106 in OK

View $100M-$1B leaderboard (OK) →

Security Bank has 4 strengths but faces 2 concerns

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

+ Return on Assets 0.85% above tier average
+ Efficiency Ratio 21.44% below tier average
+ Net Interest Margin 0.26% above tier average
+ Delinquency Rate 0.77% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 8.1% in tier
- Non-Interest Income / Assets 0.51% below tier average

Get updates when Security Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Total Assets ?	$939.0M +4.0% YoY +2.5% QoQ	+$552.4M	$386.6M +1.2% YoY	$1.3B +6.0% YoY	$6.3B +7.7% YoY	Top 2.3% in tier
Total Loans ?	$759.5M +0.3% YoY +1.2% QoQ	+$501.2M	$258.3M +1.7% YoY	$835.5M +7.1% YoY	$3.2B +9.4% YoY	Top 0.8% in tier
Total Deposits ?	$827.5M +3.5% YoY +2.9% QoQ	+$500.8M	$326.7M +0.7% YoY	$967.8M +5.8% YoY	$4.9B +7.3% YoY	Top 1.2% in tier
Return on Assets ?	2.18% -7.0% YoY +0.6% QoQ	+0.85%	1.32% +10.8% YoY	1.35% +7.7% YoY	1.30% +12.1% YoY	Top 9.3% in tier
Net Interest Margin ?	4.24% +2.5% YoY +0.8% QoQ	+0.26%	3.99% +5.0% YoY	4.27% +1.9% YoY	3.95% +4.9% YoY	67%
Efficiency Ratio ?	43.04% +5.0% YoY -1.3% QoQ	-21.44%	64.48% -3.2% YoY	64.81% -3.0% YoY	70.05% +2.5% YoY	Top 6.6% in tier
Delinquency Rate ?	0.15% -71.8% YoY -40.6% QoQ	-0.77%	0.92% +15.7% YoY	1.78% +23.7% YoY	0.98% +16.3% YoY	69%
Loan-to-Deposit Ratio ?	91.78% -3.1% YoY -1.7% QoQ	+13.83%	77.95% +1.0% YoY	74.14% +1.3% YoY	79.03% +2.3% YoY	23%
Non-Interest-Bearing Deposit Share ?	18.92% +10.0% YoY +4.6% QoQ	-3.12%	22.03% -0.6% YoY	23.91% -1.8% YoY	21.98% -0.6% YoY	40%
Nonperforming Asset Ratio ?	0.13% -70.9% YoY -48.2% QoQ	-0.54%	0.67% +16.4% YoY	1.24% +23.1% YoY	0.69% +15.8% YoY	67%
Tier 1 Capital Ratio ?	13.34% +3.6% YoY -1.5% QoQ	-2.57%	15.91% +1.4% YoY	14.18% -3.9% YoY	17.09% +0.8% YoY	51%
Non-Interest Income / Assets ?	0.05% -20.9% YoY +117.5% QoQ	-0.51%	0.57% +7.6% YoY	0.31% -11.7% YoY	0.66% +5.2% YoY	Bottom 6.3% in tier

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	18.9% +1.7pp YoY +0.8pp QoQ	-3.2pp	22.1%	23.9%	22.2%	40%
Brokered Deposits	5.4% +1.3pp YoY +0.2pp QoQ	-2.5pp	7.9%	9.7%	8.5%	55%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
C&I	26.1% -0.5pp YoY -0.2pp QoQ	+14.6pp	11.6%	15.7%	12.5%	94%
CRE	60.9% +1.2pp YoY +0.1pp QoQ	+21.4pp	39.5%	42.0%	41.4%	86%
1-4 Family	11.3% -0.3pp YoY +0.1pp QoQ	-21.3pp	32.6%	24.0%	31.3%	13%
Consumer	0.6% -0.1pp YoY 0.0pp QoQ	-3.6pp	4.1%	5.6%	5.0%	17%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
CET1 Ratio	13.3% +0.5pp YoY -0.2pp QoQ	-5.5pp	18.8%	17.0%	19.7%	32%
Leverage Ratio	11.8% +0.4pp YoY -0.2pp QoQ	-0.3pp	12.2%	11.7%	12.6%	63%
Total Capital Ratio	14.6% +0.5pp YoY -0.2pp QoQ	-5.3pp	19.9%	18.2%	20.8%	33%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Full-Time Employees	72 +5 (+7.5%) YoY +4 (+5.9%) QoQ	+13	58	150	482	72%
Assets per Employee ($)	$13.0M -3.3% YoY -3.2% QoQ	+$5.5M	$7.5M	$6.5M	$8.8M	95%
Branch Count	1 0 YoY 0 QoQ	-4	4	8	18	0%

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	0.2% -0.4pp YoY 0.0pp QoQ	-0.8pp	0.9%	1.5%	1.0%	25%
Allowance Coverage	13.32x +244.6% YoY +69.6% QoQ	-10.83x	24.15x	61.99x	20.23x	85%
Net Charge-off Rate (YTD)	0.0% +0.4pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.2%	0.2%	55%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
ROE	18.7% -2.2pp YoY +0.2pp QoQ	+6.5pp	12.2%	11.9%	11.6%	84%
Cost of Funds (YTD)	2.5% -0.5pp YoY 0.0pp QoQ	+0.8pp	1.7%	1.8%	1.7%	90%
Net Income ($, YTD)	$10.0M -4.1% YoY — QoQ	+$7.4M	$2.6M	$8.7M	$40.4M	99%

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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 (1)

Liquidity Strain

risk

#57 of 691 • Bottom 8.1% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 91.78%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

691 of 691 Community banks match · 1092 nationally

→ Stable +81 banks QoQ | QoQ rank improving

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 2643 peers in $100M-$1B

Top Strengths (5 metrics)

Total Loans

size

Value: $759.50M

Peer Median: $258.35M

#23 of 2643 Top 0.8% in $100M-$1B

Total Deposits

size

Value: $827.50M

Peer Median: $326.73M

#32 of 2643 Top 1.2% in $100M-$1B

Total Assets

size

Value: $938.97M

Peer Median: $386.57M

#61 of 2643 Top 2.3% in $100M-$1B

175

Efficiency Ratio

profitability

Value: 43.04%

Peer Median: 64.48%

#175 of 2643 Top 6.6% in $100M-$1B

247

Return on Assets

profitability

Value: 2.18%

Peer Median: 1.32%

#247 of 2643 Top 9.3% in $100M-$1B

Top Weaknesses (2 metrics)

2478

Non-Interest Income / Assets

revenue_mix

Value: 0.05%

Peer Median: 0.57%

#2478 of 2643 Bottom 6.3% in $100M-$1B

2047

Loan-to-Deposit Ratio

liquidity

Value: 91.78%

Peer Median: 77.95%

#2047 of 2643 Bottom 22.6% in $100M-$1B