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

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 -2.6% year over year ($287.5M on the books).
Delinquency rate 0.70%.
Return on assets 2.39%.
Efficiency ratio 40.14% vs a 64.48% peer average.
Loan-to-deposit ratio 71.25% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 106 in OK

View $100M-$1B leaderboard (OK) →

Security State Bank of Oklahoma demonstrates 4 strengths

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 17.1% in tier
+ Deposit Franchise: Top 20.9% in tier
+ Efficiency Ratio 24.34% below tier average
+ Delinquency Rate 0.22% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

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

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Total Assets ?	$388.2M +0.4% YoY -1.7% QoQ	+$1.7M	$386.6M +1.2% YoY	$1.3B +6.0% YoY	$6.3B +7.7% YoY	60%
Total Loans ?	$204.8M +4.4% YoY +2.1% QoQ	-$53.5M	$258.3M +1.7% YoY	$835.5M +7.1% YoY	$3.2B +9.4% YoY	49%
Total Deposits ?	$287.5M -2.6% YoY -3.2% QoQ	-$39.3M	$326.7M +0.7% YoY	$967.8M +5.8% YoY	$4.9B +7.3% YoY	53%
Return on Assets ?	2.39% +18.8% YoY +3.5% QoQ	+1.07%	1.32% +10.8% YoY	1.35% +7.7% YoY	1.30% +12.1% YoY	Top 5.9% in tier
Net Interest Margin ?	4.88% +4.5% YoY +0.9% QoQ	+0.90%	3.99% +5.0% YoY	4.27% +1.9% YoY	3.95% +4.9% YoY	Top 10.2% in tier
Efficiency Ratio ?	40.14% -1.7% YoY -0.5% QoQ	-24.34%	64.48% -3.2% YoY	64.81% -3.0% YoY	70.05% +2.5% YoY	Top 4.2% in tier
Delinquency Rate ?	0.70% -66.6% YoY -41.6% QoQ	-0.22%	0.92% +15.7% YoY	1.78% +23.7% YoY	0.98% +16.3% YoY	38%
Loan-to-Deposit Ratio ?	71.25% +7.2% YoY +5.5% QoQ	-6.70%	77.95% +1.0% YoY	74.14% +1.3% YoY	79.03% +2.3% YoY	68%
Non-Interest-Bearing Deposit Share ?	39.50% +3.1% YoY -0.7% QoQ	+17.47%	22.03% -0.6% YoY	23.91% -1.8% YoY	21.98% -0.6% YoY	Top 5.0% in tier
Nonperforming Asset Ratio ?	0.40% -63.1% YoY -41.4% QoQ	-0.27%	0.67% +16.4% YoY	1.24% +23.1% YoY	0.69% +15.8% YoY	44%
Tier 1 Capital Ratio ?	19.59% +8.1% YoY +9.0% QoQ	+3.68%	15.91% +1.4% YoY	14.18% -3.9% YoY	17.09% +0.8% YoY	Top 14.6% in tier
Non-Interest Income / Assets ?	0.20% +3.9% YoY +102.3% QoQ	-0.36%	0.57% +7.6% YoY	0.31% -11.7% YoY	0.66% +5.2% YoY	50%

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	39.5% +1.2pp YoY -0.3pp QoQ	+17.3pp	22.1%	23.9%	22.2%	95%
Brokered Deposits	3.5% -2.0pp YoY -0.5pp QoQ	-4.3pp	7.9%	9.7%	8.5%	42%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
C&I	18.5% -2.6pp YoY -1.8pp QoQ	+7.0pp	11.6%	15.7%	12.5%	85%
CRE	16.1% +4.8pp QoQ	-23.4pp	39.5%	42.0%	41.4%	12%
1-4 Family	23.1% -0.7pp YoY -1.1pp QoQ	-9.6pp	32.6%	24.0%	31.3%	37%
Consumer	17.9% +1.7pp YoY -1.0pp QoQ	+13.8pp	4.1%	5.6%	5.0%	97%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
CET1 Ratio	19.6% +1.5pp YoY +1.6pp QoQ	+0.8pp	18.8%	17.0%	19.7%	76%
Leverage Ratio	12.4% +0.9pp YoY +0.7pp QoQ	+0.2pp	12.2%	11.7%	12.6%	69%
Total Capital Ratio	20.8% +1.4pp YoY +1.6pp QoQ	+0.9pp	19.9%	18.2%	20.8%	76%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Full-Time Employees	51 +2 (+4.1%) YoY 0 QoQ	-8	58	150	482	54%
Assets per Employee ($)	$7.6M -3.6% YoY -1.7% QoQ	+$94K	$7.5M	$6.5M	$8.8M	62%
Branch Count	4 0 YoY 0 QoQ	-1	4	8	18	42%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% -0.4pp YoY	-0.3pp	0.3%	0.9%	0.4%	28%
Nonaccrual	0.7% -1.0pp YoY -0.5pp QoQ	-0.3pp	0.9%	1.5%	1.0%	61%
Allowance Coverage	2.04x +147.7% YoY +53.0% QoQ	-22.11x	24.15x	61.99x	20.23x	48%
Net Charge-off Rate (YTD)	0.6% +0.2pp YoY +0.4pp QoQ	+0.4pp	0.1%	0.2%	0.2%	95%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
ROE	21.1% +0.7pp YoY +0.1pp QoQ	+8.9pp	12.2%	11.9%	11.6%	90%
Cost of Funds (YTD)	1.5% -0.2pp YoY +0.1pp QoQ	-0.2pp	1.7%	1.8%	1.7%	39%
Net Income ($, YTD)	$4.7M +22.6% YoY — QoQ	+$2.1M	$2.6M	$8.7M	$40.4M	86%

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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

#114 of 661 • Top 17.1% in tier

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

Why this signature

Return on Assets: 2.39%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank declining

Deposit Franchise

growth

#59 of 278 • Top 20.9% 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: 39.50%

(Tier: 22.03%, National: 21.98%)

better than tier avg

Net Interest Margin: 4.88%

(Tier: 3.99%, National: 3.95%)

better than tier avg

278 of 278 Community banks match · 368 nationally

→ Stable -1 banks QoQ

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 2643 peers in $100M-$1B

Top Strengths (5 metrics)

111

Efficiency Ratio

profitability

Value: 40.14%

Peer Median: 64.48%

#111 of 2643 Top 4.2% in $100M-$1B

134

Non-Interest-Bearing Deposit Share

funding

Value: 39.50%

Peer Median: 22.03%

#134 of 2643 Top 5.0% in $100M-$1B

158

Return on Assets

profitability

Value: 2.39%

Peer Median: 1.32%

#158 of 2643 Top 5.9% in $100M-$1B

271

Net Interest Margin

profitability

Value: 4.88%

Peer Median: 3.99%

#271 of 2643 Top 10.2% in $100M-$1B

387

Tier 1 Capital Ratio

capital

Value: 19.59%

Peer Median: 15.91%

#387 of 2643 Top 14.6% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available