BlastPoint's Banking Scorecard
Security State Bank
Cheyenne, OK
3 branches across OK
Security State Bank shows strong momentum with 5 strengths and 7.4% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 47.8% in tier
- + ROA 0.58% above tier average
- + Net Interest Margin 0.49% above tier average
- + Efficiency Ratio 13.16% below tier average
- + Delinquency Rate 0.13% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$287.6M
+7.4% YoY
+3.9% QoQ
|
-$98.5M |
$386.1M
+0.5% YoY
|
$1.2B
+6.7% YoY
|
$6.2B
+9.1% YoY
|
44% |
| Total Loans ? |
$177.5M
+15.4% YoY
+4.0% QoQ
|
-$78.2M |
$255.7M
+1.1% YoY
|
$822.6M
+7.2% YoY
|
$3.2B
+10.8% YoY
|
43% |
| Total Deposits ? |
$256.6M
+7.2% YoY
+4.1% QoQ
|
-$71.3M |
$328.0M
+0.1% YoY
|
$956.7M
+4.7% YoY
|
$4.8B
+8.2% YoY
|
46% |
| Return on Assets ? |
1.85%
-9.2% YoY
+12.7% QoQ
|
+0.58% |
1.27%
+12.9% YoY
|
1.34%
+7.6% YoY
|
1.23%
+13.4% YoY
|
83% |
| Net Interest Margin ? |
4.42%
+5.1% YoY
+2.8% QoQ
|
+0.49% |
3.93%
+6.0% YoY
|
4.25%
+2.4% YoY
|
3.89%
+5.7% YoY
|
79% |
| Efficiency Ratio ? |
52.13%
-3.2% YoY
-10.2% QoQ
|
-13.16% |
65.29%
-4.5% YoY
|
65.16%
-1.8% YoY
|
66.95%
-4.1% YoY
|
80% |
| Delinquency Rate ? |
0.76%
-30.8% YoY
+9.4% QoQ
|
-0.13% |
0.89%
+18.8% YoY
|
1.61%
+16.3% YoY
|
0.95%
+18.8% YoY
|
35% |
| Loan-to-Deposit Ratio ? |
69.18%
+7.6% YoY
-0.0% QoQ
|
-7.46% |
76.64%
+0.8% YoY
|
73.83%
+1.6% YoY
|
76.70%
+0.9% YoY
|
68% |
| Non-Interest-Bearing Deposit Share ? |
23.24%
+9.2% YoY
+3.1% QoQ
|
+1.22% |
22.02%
-1.0% YoY
|
23.68%
-1.7% YoY
|
22.01%
-1.2% YoY
|
60% |
| Nonperforming Asset Ratio ? |
0.47%
-25.6% YoY
+7.9% QoQ
|
-0.17% |
0.64%
+19.7% YoY
|
1.12%
+15.3% YoY
|
0.67%
+19.3% YoY
|
39% |
| Tier 1 Capital Ratio ? |
10.43%
-2.4% YoY
-1.0% QoQ
|
-5.40% |
15.83%
+1.5% YoY
|
14.36%
-1.8% YoY
|
17.06%
+0.8% YoY
|
15% |
| Non-Interest Income / Assets ? |
0.18%
-37.6% YoY
-71.1% QoQ
|
-0.10% |
0.28%
+9.3% YoY
|
0.15%
-5.6% YoY
|
0.32%
+4.1% YoY
|
81% |
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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)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.