BlastPoint's Banking Scorecard
Security State Bank
Cheyenne, 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 +3.5% year over year ($247.9M on the books).
- Delinquency rate 0.68%.
- Return on assets 2.14%.
- Efficiency ratio 47.99% vs a 64.48% peer average.
- Loan-to-deposit ratio 68.92% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Security State Bank demonstrates 4 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 35.2% in tier
- + Net Interest Margin 0.52% above tier average
- + Efficiency Ratio 16.49% below tier average
- + Delinquency Rate 0.24% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$279.5M
+4.4% YoY
-2.8% QoQ
|
-$107.0M |
$386.6M
+1.2% YoY
|
$1.3B
+6.0% YoY
|
$6.3B
+7.7% YoY
|
42% |
| Total Loans ? |
$170.8M
+11.4% YoY
-3.8% QoQ
|
-$87.5M |
$258.3M
+1.7% YoY
|
$835.5M
+7.1% YoY
|
$3.2B
+9.4% YoY
|
41% |
| Total Deposits ? |
$247.9M
+3.5% YoY
-3.4% QoQ
|
-$78.9M |
$326.7M
+0.7% YoY
|
$967.8M
+5.8% YoY
|
$4.9B
+7.3% YoY
|
44% |
| Return on Assets ? |
2.14%
+14.1% YoY
+15.7% QoQ
|
+0.82% |
1.32%
+10.8% YoY
|
1.35%
+7.7% YoY
|
1.30%
+12.1% YoY
|
Top 10.0% in tier |
| Net Interest Margin ? |
4.51%
+8.1% YoY
+1.9% QoQ
|
+0.52% |
3.99%
+5.0% YoY
|
4.27%
+1.9% YoY
|
3.95%
+4.9% YoY
|
80% |
| Efficiency Ratio ? |
47.99%
-9.7% YoY
-7.9% QoQ
|
-16.49% |
64.48%
-3.2% YoY
|
64.81%
-3.0% YoY
|
70.05%
+2.5% YoY
|
Top 13.0% in tier |
| Delinquency Rate ? |
0.68%
-45.4% YoY
-10.8% QoQ
|
-0.24% |
0.92%
+15.7% YoY
|
1.78%
+23.7% YoY
|
0.98%
+16.3% YoY
|
39% |
| Loan-to-Deposit Ratio ? |
68.92%
+7.6% YoY
-0.4% QoQ
|
-9.03% |
77.95%
+1.0% YoY
|
74.14%
+1.3% YoY
|
79.03%
+2.3% YoY
|
71% |
| Non-Interest-Bearing Deposit Share ? |
24.20%
+10.4% YoY
+4.1% QoQ
|
+2.17% |
22.03%
-0.6% YoY
|
23.91%
-1.8% YoY
|
21.98%
-0.6% YoY
|
63% |
| Nonperforming Asset Ratio ? |
0.41%
-41.7% YoY
-11.7% QoQ
|
-0.25% |
0.67%
+16.4% YoY
|
1.24%
+23.1% YoY
|
0.69%
+15.8% YoY
|
43% |
| Tier 1 Capital Ratio ? |
10.73%
-0.9% YoY
+2.9% QoQ
|
-5.18% |
15.91%
+1.4% YoY
|
14.18%
-3.9% YoY
|
17.09%
+0.8% YoY
|
20% |
| Non-Interest Income / Assets ? |
0.29%
-30.6% YoY
+63.6% QoQ
|
-0.28% |
0.57%
+7.6% YoY
|
0.31%
-11.7% YoY
|
0.66%
+5.2% YoY
|
70% |
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 |
24.2%
+2.3pp YoY +1.0pp QoQ |
+2.1pp | 22.1% | 23.9% | 22.2% | 63% |
| Brokered Deposits |
8.4%
-3.1pp YoY -2.6pp QoQ |
+0.5pp | 7.9% | 9.7% | 8.5% | 70% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
11.0%
-1.3pp YoY +0.3pp QoQ |
-0.5pp | 11.6% | 15.7% | 12.5% | 59% |
| CRE |
12.3%
+1.5pp YoY +0.6pp QoQ |
-27.2pp | 39.5% | 42.0% | 41.4% | 7% |
| 1-4 Family |
19.2%
-1.5pp YoY +1.2pp QoQ |
-13.4pp | 32.6% | 24.0% | 31.3% | 28% |
| Consumer |
5.1%
+0.6pp YoY +0.6pp QoQ |
+0.9pp | 4.1% | 5.6% | 5.0% | 77% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 17.0% | 19.7% | n/a |
| Leverage Ratio |
10.7%
-0.1pp YoY +0.3pp QoQ |
-1.4pp | 12.2% | 11.7% | 12.6% | 45% |
| Total Capital Ratio | n/a | n/a | 19.9% | 18.2% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
39
+2 (+5.4%) YoY 0 QoQ |
-20 | 58 | 150 | 482 | 40% |
| Assets per Employee ($) |
$7.2M
-0.9% YoY -2.8% QoQ |
-$351K | $7.5M | $6.5M | $8.8M | 55% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 8 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
-0.1pp YoY -0.2pp QoQ |
-0.3pp | 0.3% | 0.9% | 0.4% | 7% |
| Nonaccrual |
0.7%
-0.4pp YoY +0.1pp QoQ |
-0.3pp | 0.9% | 1.5% | 1.0% | 61% |
| Allowance Coverage |
2.84x
+88.0% YoY +19.0% QoQ |
-21.31x | 24.15x | 61.99x | 20.23x | 57% |
| Net Charge-off Rate (YTD) |
0.1%
-0.5pp YoY +0.1pp QoQ |
-0.1pp | 0.1% | 0.2% | 0.2% | 68% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
21.0%
+1.5pp YoY +2.6pp QoQ |
+8.8pp | 12.2% | 11.9% | 11.6% | 90% |
| Cost of Funds (YTD) |
1.5%
-0.5pp YoY 0.0pp QoQ |
-0.3pp | 1.7% | 1.8% | 1.7% | 33% |
| Net Income ($, YTD) |
$3.0M
+20.7% YoY — QoQ |
+$460K | $2.6M | $8.7M | $40.4M | 70% |
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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 (1)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.