BlastPoint's Banking Scorecard

Security Bank and Trust Company

$100M-$1B Specialty: Commercial OK FDIC cert 9881

Designations: ✓ CDFI-certified

Miami, OK

4 branches across OK

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

Security Bank and Trust Company has 3 strengths but faces 3 concerns

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

+ ROA 0.26% above tier average
+ Net Interest Margin 0.76% above tier average
+ Efficiency Ratio 3.66% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 42.3% in tier
- Capital Thin: Bottom 44.4% in tier
- Delinquency Rate 0.56% above tier average

Get updates when Security Bank and Trust Company releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Total Assets ?	$155.3M +4.9% YoY +2.0% QoQ	-$230.8M	$386.1M +0.5% YoY	$1.2B +6.7% YoY	$6.2B +9.1% YoY	16%
Total Loans ?	$127.1M +8.6% YoY +5.2% QoQ	-$128.6M	$255.7M +1.1% YoY	$822.6M +7.2% YoY	$3.2B +10.8% YoY	28%
Total Deposits ?	$136.3M +2.9% YoY +3.9% QoQ	-$191.6M	$328.0M +0.1% YoY	$956.7M +4.7% YoY	$4.8B +8.2% YoY	17%
Return on Assets ?	1.53% +16.6% YoY +18.1% QoQ	+0.26%	1.27% +12.9% YoY	1.34% +7.6% YoY	1.23% +13.4% YoY	69%
Net Interest Margin ?	4.69% +12.9% YoY +6.5% QoQ	+0.76%	3.93% +6.0% YoY	4.25% +2.4% YoY	3.89% +5.7% YoY	Top 13.2% in tier
Efficiency Ratio ?	61.62% -8.3% YoY -4.2% QoQ	-3.66%	65.29% -4.5% YoY	65.16% -1.8% YoY	66.95% -4.1% YoY	55%
Delinquency Rate ?	1.45% +953.2% YoY +60.5% QoQ	+0.56%	0.89% +18.8% YoY	1.61% +16.3% YoY	0.95% +18.8% YoY	19%
Loan-to-Deposit Ratio ?	93.21% +5.5% YoY +1.3% QoQ	+16.57%	76.64% +0.8% YoY	73.83% +1.6% YoY	76.70% +0.9% YoY	18%
Non-Interest-Bearing Deposit Share ?	17.53% +1.6% YoY +5.8% QoQ	-4.49%	22.02% -1.0% YoY	23.68% -1.7% YoY	22.01% -1.2% YoY	34%
Nonperforming Asset Ratio ?	1.35% +378.3% YoY +52.6% QoQ	+0.71%	0.64% +19.7% YoY	1.12% +15.3% YoY	0.67% +19.3% YoY	Bottom 13.5% in tier
Tier 1 Capital Ratio ?	10.31% -2.4% YoY +0.5% QoQ	-5.52%	15.83% +1.5% YoY	14.36% -1.8% YoY	17.06% +0.8% YoY	Bottom 13.7% in tier
Non-Interest Income / Assets ?	0.15% +18.0% YoY -69.3% QoQ	-0.13%	0.28% +9.3% YoY	0.15% -5.6% YoY	0.32% +4.1% YoY	74%

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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 (0)

No matched strength signatures this quarter

Concerns (2)

Liquidity Strain

risk

#273 of 643 • Bottom 42.3% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 93.21%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank declining

Capital Thin

risk

#297 of 666 • Bottom 44.4% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 10.31%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

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 (1 metrics)

352

Net Interest Margin

profitability

Value: 4.69%

Peer Median: 3.93%

#352 of 2664 Top 13.2% in $100M-$1B

Top Weaknesses (6 metrics)

2306

Nonperforming Asset Ratio

credit_quality

Value: 1.35%

Peer Median: 0.64%

#2306 of 2664 Bottom 13.5% in $100M-$1B

2299

Tier 1 Capital Ratio

capital

Value: 10.31%

Peer Median: 15.83%

#2299 of 2664 Bottom 13.7% in $100M-$1B

2247

Total Assets

size

Value: $155.26M

Peer Median: $386.08M

#2247 of 2664 Bottom 15.7% in $100M-$1B

2206

Total Deposits

size

Value: $136.34M

Peer Median: $327.97M

#2206 of 2664 Bottom 17.2% in $100M-$1B

2192

Loan-to-Deposit Ratio

liquidity

Value: 93.21%

Peer Median: 76.64%

#2192 of 2664 Bottom 17.8% in $100M-$1B

2147

Delinquency Rate

credit_quality

Value: 1.45%

Peer Median: 0.89%

#2147 of 2654 Bottom 19.1% in $100M-$1B