BlastPoint's Banking Scorecard

Security State Bank of Oklahoma

$100M-$1B Specialty: Other OK FDIC cert 8980

Designations: ✓ CDFI-certified ✓ Minority Depository Institution

Wewoka, OK

4 branches across OK

2664 banks in the $100M-$1B peer group nationally 107 in OK

Security State Bank of Oklahoma has 3 strengths but faces 1 concern

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

+ Profitability Leader: Top 11.3% in tier
+ Deposit Franchise: Top 21.0% in tier
+ Efficiency Ratio 24.96% below tier average

Key Concerns

Areas that may need attention

- Delinquency Rate 0.31% above tier average

Get updates when Security State Bank of Oklahoma releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Total Assets ?	$394.8M +3.5% YoY -0.0% QoQ	+$8.7M	$386.1M +0.5% YoY	$1.2B +6.7% YoY	$6.2B +9.1% YoY	61%
Total Loans ?	$200.5M +4.8% YoY +4.3% QoQ	-$55.2M	$255.7M +1.1% YoY	$822.6M +7.2% YoY	$3.2B +10.8% YoY	49%
Total Deposits ?	$296.9M -4.8% YoY -7.2% QoQ	-$31.0M	$328.0M +0.1% YoY	$956.7M +4.7% YoY	$4.8B +8.2% YoY	54%
Return on Assets ?	2.31% +38.5% YoY -1.0% QoQ	+1.04%	1.27% +12.9% YoY	1.34% +7.6% YoY	1.23% +13.4% YoY	Top 6.9% in tier
Net Interest Margin ?	4.84% +4.9% YoY +1.7% QoQ	+0.91%	3.93% +6.0% YoY	4.25% +2.4% YoY	3.89% +5.7% YoY	Top 10.1% in tier
Efficiency Ratio ?	40.33% -5.3% YoY -2.0% QoQ	-24.96%	65.29% -4.5% YoY	65.16% -1.8% YoY	66.95% -4.1% YoY	Top 4.3% in tier
Delinquency Rate ?	1.20% -40.0% YoY -9.9% QoQ	+0.31%	0.89% +18.8% YoY	1.61% +16.3% YoY	0.95% +18.8% YoY	24%
Loan-to-Deposit Ratio ?	67.54% +10.1% YoY +12.3% QoQ	-9.10%	76.64% +0.8% YoY	73.83% +1.6% YoY	76.70% +0.9% YoY	71%
Non-Interest-Bearing Deposit Share ?	39.79% +6.6% YoY +8.2% QoQ	+17.77%	22.02% -1.0% YoY	23.68% -1.7% YoY	22.01% -1.2% YoY	Top 4.9% in tier
Nonperforming Asset Ratio ?	0.68% -33.3% YoY +2.2% QoQ	+0.04%	0.64% +19.7% YoY	1.12% +15.3% YoY	0.67% +19.3% YoY	30%
Tier 1 Capital Ratio ?	17.97% -0.1% YoY -1.1% QoQ	+2.14%	15.83% +1.5% YoY	14.36% -1.8% YoY	17.06% +0.8% YoY	81%
Non-Interest Income / Assets ?	0.10% +8.4% YoY -79.9% QoQ	-0.18%	0.28% +9.3% YoY	0.15% -5.6% YoY	0.32% +4.1% YoY	52%

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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 (2)

Profitability Leader

growth

#76 of 666 • Top 11.3% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.31%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ

Deposit Franchise

growth

#58 of 272 • Top 21.0% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 39.79%

(Tier: 22.02%, National: 22.01%)

better than tier avg

Net Interest Margin: 4.84%

(Tier: 3.93%, National: 3.89%)

better than tier avg

272 of 272 Community banks match · 369 nationally

→ Stable -14 banks QoQ | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

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 2664 peers in $100M-$1B

Top Strengths (5 metrics)

116

Efficiency Ratio

profitability

Value: 40.33%

Peer Median: 65.29%

#116 of 2664 Top 4.3% in $100M-$1B

132

Non-Interest-Bearing Deposit Share

funding

Value: 39.79%

Peer Median: 22.02%

#132 of 2664 Top 4.9% in $100M-$1B

186

Return on Assets

profitability

Value: 2.31%

Peer Median: 1.27%

#186 of 2664 Top 6.9% in $100M-$1B

269

Net Interest Margin

profitability

Value: 4.84%

Peer Median: 3.93%

#269 of 2664 Top 10.1% in $100M-$1B

509

Tier 1 Capital Ratio

capital

Value: 17.97%

Peer Median: 15.83%

#509 of 2664 Top 19.1% in $100M-$1B

Top Weaknesses (1 metrics)

2015

Delinquency Rate

credit_quality

Value: 1.20%

Peer Median: 0.89%

#2015 of 2654 Bottom 24.1% in $100M-$1B