BlastPoint's Banking Scorecard
Security First National Bank of Hugo
Hugo, OK
2 branches across OK
Security First National Bank of Hugo has 3 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.85% above tier average
- + ROA 0.83% above tier average
- + Efficiency Ratio 12.63% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 16.5% in tier
- - Margin Compression: Bottom 58.4% in tier
- - Delinquency Rate 2.27% above tier average
- - Nonperforming Asset Ratio 1.63% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$140.0M
+1.8% YoY
+0.6% QoQ
|
-$246.0M |
$386.1M
+0.5% YoY
|
$1.2B
+6.7% YoY
|
$6.2B
+9.1% YoY
|
Bottom 11.2% in tier |
| Total Loans ? |
$100.8M
-3.4% YoY
-1.5% QoQ
|
-$154.9M |
$255.7M
+1.1% YoY
|
$822.6M
+7.2% YoY
|
$3.2B
+10.8% YoY
|
20% |
| Total Deposits ? |
$125.0M
+2.6% YoY
+0.0% QoQ
|
-$202.9M |
$328.0M
+0.1% YoY
|
$956.7M
+4.7% YoY
|
$4.8B
+8.2% YoY
|
Bottom 13.5% in tier |
| Return on Assets ? |
2.10%
-18.7% YoY
-14.9% QoQ
|
+0.83% |
1.27%
+12.9% YoY
|
1.34%
+7.6% YoY
|
1.23%
+13.4% YoY
|
Top 10.2% in tier |
| Net Interest Margin ? |
5.78%
-12.3% YoY
-12.5% QoQ
|
+1.85% |
3.93%
+6.0% YoY
|
4.25%
+2.4% YoY
|
3.89%
+5.7% YoY
|
Top 2.0% in tier |
| Efficiency Ratio ? |
52.66%
+10.2% YoY
+8.4% QoQ
|
-12.63% |
65.29%
-4.5% YoY
|
65.16%
-1.8% YoY
|
66.95%
-4.1% YoY
|
79% |
| Delinquency Rate ? |
3.16%
+1.6% QoQ
|
+2.27% |
0.89%
+18.8% YoY
|
1.61%
+16.3% YoY
|
0.95%
+18.8% YoY
|
Bottom 5.6% in tier |
| Loan-to-Deposit Ratio ? |
80.65%
-5.8% YoY
-1.5% QoQ
|
+4.02% |
76.64%
+0.8% YoY
|
73.83%
+1.6% YoY
|
76.70%
+0.9% YoY
|
45% |
| Non-Interest-Bearing Deposit Share ? |
24.15%
-6.0% YoY
-1.8% QoQ
|
+2.13% |
22.02%
-1.0% YoY
|
23.68%
-1.7% YoY
|
22.01%
-1.2% YoY
|
63% |
| Nonperforming Asset Ratio ? |
2.27%
+841.3% YoY
-5.1% QoQ
|
+1.63% |
0.64%
+19.7% YoY
|
1.12%
+15.3% YoY
|
0.67%
+19.3% YoY
|
Bottom 5.0% in tier |
| Tier 1 Capital Ratio ? |
10.00%
-2.5% YoY
+5.6% QoQ
|
-5.83% |
15.83%
+1.5% YoY
|
14.36%
-1.8% YoY
|
17.06%
+0.8% YoY
|
Bottom 9.7% in tier |
| Non-Interest Income / Assets ? |
0.14%
-10.3% YoY
-74.5% QoQ
|
-0.14% |
0.28%
+9.3% YoY
|
0.15%
-5.6% YoY
|
0.32%
+4.1% YoY
|
72% |
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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 (2)
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.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.