BlastPoint's Banking Scorecard
Security First National Bank of Hugo
Hugo, OK
2 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 +0.8% year over year ($121.9M on the books).
- Delinquency rate 4.20%.
- Return on assets 1.91%.
- Efficiency ratio 55.87% vs a 64.48% peer average.
- Loan-to-deposit ratio 81.76% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Security First National Bank of Hugo has 3 strengths but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.70% above tier average
- + ROA 0.59% above tier average
- + Efficiency Ratio 8.61% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 20.3% in tier
- - Margin Compression: Bottom 33.9% in tier
- - Cost Spiral: Bottom 39.1% in tier
- - Delinquency Rate 3.29% above tier average
- - Nonperforming Asset Ratio 2.37% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$137.7M
+0.7% YoY
-1.7% QoQ
|
-$248.8M |
$386.6M
+1.2% YoY
|
$1.3B
+6.0% YoY
|
$6.3B
+7.7% YoY
|
Bottom 10.4% in tier |
| Total Loans ? |
$99.6M
-5.6% YoY
-1.2% QoQ
|
-$158.7M |
$258.3M
+1.7% YoY
|
$835.5M
+7.1% YoY
|
$3.2B
+9.4% YoY
|
19% |
| Total Deposits ? |
$121.9M
+0.8% YoY
-2.5% QoQ
|
-$204.9M |
$326.7M
+0.7% YoY
|
$967.8M
+5.8% YoY
|
$4.9B
+7.3% YoY
|
Bottom 12.6% in tier |
| Return on Assets ? |
1.91%
-24.6% YoY
-9.1% QoQ
|
+0.59% |
1.32%
+10.8% YoY
|
1.35%
+7.7% YoY
|
1.30%
+12.1% YoY
|
84% |
| Net Interest Margin ? |
5.69%
-14.9% YoY
-1.6% QoQ
|
+1.70% |
3.99%
+5.0% YoY
|
4.27%
+1.9% YoY
|
3.95%
+4.9% YoY
|
Top 2.2% in tier |
| Efficiency Ratio ? |
55.87%
+17.5% YoY
+6.1% QoQ
|
-8.61% |
64.48%
-3.2% YoY
|
64.81%
-3.0% YoY
|
70.05%
+2.5% YoY
|
70% |
| Delinquency Rate ? |
4.20%
+33.2% QoQ
|
+3.29% |
0.92%
+15.7% YoY
|
1.78%
+23.7% YoY
|
0.98%
+16.3% YoY
|
Bottom 3.4% in tier |
| Loan-to-Deposit Ratio ? |
81.76%
-6.4% YoY
+1.4% QoQ
|
+3.81% |
77.95%
+1.0% YoY
|
74.14%
+1.3% YoY
|
79.03%
+2.3% YoY
|
46% |
| Non-Interest-Bearing Deposit Share ? |
25.33%
+0.9% YoY
+4.9% QoQ
|
+3.30% |
22.03%
-0.6% YoY
|
23.91%
-1.8% YoY
|
21.98%
-0.6% YoY
|
67% |
| Nonperforming Asset Ratio ? |
3.04%
+33.9% QoQ
|
+2.37% |
0.67%
+16.4% YoY
|
1.24%
+23.1% YoY
|
0.69%
+15.8% YoY
|
Bottom 3.2% in tier |
| Tier 1 Capital Ratio ? |
10.38%
-2.6% YoY
+3.8% QoQ
|
-5.53% |
15.91%
+1.4% YoY
|
14.18%
-3.9% YoY
|
17.09%
+0.8% YoY
|
15% |
| Non-Interest Income / Assets ? |
0.26%
-19.0% YoY
+83.6% QoQ
|
-0.30% |
0.57%
+7.6% YoY
|
0.31%
-11.7% YoY
|
0.66%
+5.2% YoY
|
66% |
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 |
25.3%
+0.2pp YoY +1.2pp QoQ |
+3.2pp | 22.1% | 23.9% | 22.2% | 67% |
| 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 |
3.4%
-0.4pp YoY +0.3pp QoQ |
-8.2pp | 11.6% | 15.7% | 12.5% | 11% |
| CRE |
37.1%
-0.8pp YoY +1.9pp QoQ |
-2.4pp | 39.5% | 42.0% | 41.4% | 47% |
| 1-4 Family |
35.0%
+5.2pp YoY -0.2pp QoQ |
+2.4pp | 32.6% | 24.0% | 31.3% | 61% |
| Consumer |
1.6%
-0.4pp YoY 0.0pp QoQ |
-2.5pp | 4.1% | 5.6% | 5.0% | 41% |
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 |
10.4%
-0.3pp YoY +0.4pp QoQ |
-1.8pp | 12.2% | 11.7% | 12.6% | 39% |
| 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 |
30
-1 (-3.2%) YoY -2 (-6.2%) QoQ |
-29 | 58 | 150 | 482 | 26% |
| Assets per Employee ($) |
$4.6M
+4.1% YoY +4.9% QoQ |
-$2.9M | $7.5M | $6.5M | $8.8M | 9% |
| Branch Count |
2
0 YoY 0 QoQ |
-3 | 4 | 8 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.9% | 0.4% | n/a |
| Nonaccrual |
4.2%
+4.1pp YoY +1.0pp QoQ |
+3.3pp | 0.9% | 1.5% | 1.0% | 97% |
| Allowance Coverage |
0.31x
-98.2% YoY -24.8% QoQ |
-23.84x | 24.15x | 61.99x | 20.23x | 4% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.2% | 0.2% | 58% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
19.2%
-5.9pp YoY -2.5pp QoQ |
+7.0pp | 12.2% | 11.9% | 11.6% | 86% |
| Cost of Funds (YTD) |
1.5%
+0.1pp YoY 0.0pp QoQ |
-0.2pp | 1.7% | 1.8% | 1.7% | 36% |
| Net Income ($, YTD) |
$1.3M
-23.5% YoY — QoQ |
-$1.2M | $2.6M | $8.7M | $40.4M | 37% |
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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 (3)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Cost Spiral
riskHistorically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.