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Security Bank and Trust Company

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

Designations: ✓ CDFI-certified

Miami, 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 +10.2% year over year ($145.4M on the books).
  • Delinquency rate 1.43%.
  • Return on assets 1.53%.
  • Efficiency ratio 61.42% vs a 64.48% peer average.
  • Loan-to-deposit ratio 93.11% 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 Bank and Trust Company 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

  • + ROA 0.21% above tier average
  • + Net Interest Margin 0.66% above tier average
  • + Efficiency Ratio 3.06% below tier average

Key Concerns

Areas that may need attention

  • - Delinquency Rate 0.51% above tier average
Get updates when Security Bank and Trust Company releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Total Assets ? $166.9M
+10.5% YoY +7.5% QoQ
-$219.6M $386.6M
+1.2% YoY
$1.3B
+6.0% YoY
$6.3B
+7.7% YoY
19%
Total Loans ? $135.4M
+11.5% YoY +6.5% QoQ
-$123.0M $258.3M
+1.7% YoY
$835.5M
+7.1% YoY
$3.2B
+9.4% YoY
30%
Total Deposits ? $145.4M
+10.2% YoY +6.6% QoQ
-$181.4M $326.7M
+0.7% YoY
$967.8M
+5.8% YoY
$4.9B
+7.3% YoY
20%
Return on Assets ? 1.53%
+14.1% YoY +0.2% QoQ
+0.21% 1.32%
+10.8% YoY
1.35%
+7.7% YoY
1.30%
+12.1% YoY
67%
Net Interest Margin ? 4.64%
+7.9% YoY -1.1% QoQ
+0.66% 3.99%
+5.0% YoY
4.27%
+1.9% YoY
3.95%
+4.9% YoY
84%
Efficiency Ratio ? 61.42%
-4.9% YoY -0.3% QoQ
-3.06% 64.48%
-3.2% YoY
64.81%
-3.0% YoY
70.05%
+2.5% YoY
53%
Delinquency Rate ? 1.43%
+441.8% YoY -1.1% QoQ
+0.51% 0.92%
+15.7% YoY
1.78%
+23.7% YoY
0.98%
+16.3% YoY
19%
Loan-to-Deposit Ratio ? 93.11%
+1.2% YoY -0.1% QoQ
+15.16% 77.95%
+1.0% YoY
74.14%
+1.3% YoY
79.03%
+2.3% YoY
20%
Non-Interest-Bearing Deposit Share ? 16.50%
+2.6% YoY -5.9% QoQ
-5.53% 22.03%
-0.6% YoY
23.91%
-1.8% YoY
21.98%
-0.6% YoY
30%
Nonperforming Asset Ratio ? 1.32%
+243.9% YoY -2.6% QoQ
+0.65% 0.67%
+16.4% YoY
1.24%
+23.1% YoY
0.69%
+15.8% YoY
Bottom 14.7% in tier
Tier 1 Capital Ratio ? 9.64%
-4.3% YoY -6.5% QoQ
-6.27% 15.91%
+1.4% YoY
14.18%
-3.9% YoY
17.09%
+0.8% YoY
Bottom 6.4% in tier
Non-Interest Income / Assets ? 0.24%
-2.1% YoY +57.0% QoQ
-0.33% 0.57%
+7.6% YoY
0.31%
-11.7% YoY
0.66%
+5.2% YoY
60%

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 16.5%
+0.4pp YoY
-1.0pp QoQ
 -5.6pp 22.1% 23.9% 22.2% 30%
Brokered Deposits 20.3%
+5.4pp YoY
+7.1pp QoQ
 +12.5pp 7.9% 9.7% 8.5% 91%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
C&I 16.9%
-1.2pp YoY
-0.3pp QoQ
 +5.4pp 11.6% 15.7% 12.5% 82%
CRE 41.0%
-4.9pp YoY
-0.8pp QoQ
 +1.5pp 39.5% 42.0% 41.4% 55%
1-4 Family 34.7%
+3.6pp YoY
+0.3pp QoQ
 +2.1pp 32.6% 24.0% 31.3% 61%
Consumer 3.6%
-1.0pp YoY
-0.5pp QoQ
 -0.5pp 4.1% 5.6% 5.0% 66%

Capital

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
CET1 Ratio 9.6%
-0.4pp YoY
-0.7pp QoQ
 -9.2pp 18.8% 17.0% 19.7% 1%
Leverage Ratio 8.0%
-0.3pp YoY
-0.6pp QoQ
 -4.1pp 12.2% 11.7% 12.6% 2%
Total Capital Ratio 10.9%
-0.4pp YoY
-0.7pp QoQ
 -9.0pp 19.9% 18.2% 20.8% 2%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Full-Time Employees 27
+3 (+12.5%) YoY
0 QoQ
 -32 58 150 482 22%
Assets per Employee ($) $6.2M
-1.7% YoY
+7.5% QoQ
 -$1.3M $7.5M $6.5M $8.8M 37%
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 0.1%
0.0pp YoY
-0.1pp QoQ
 -0.2pp 0.3% 0.9% 0.4% 49%
Nonaccrual 1.3%
+1.1pp YoY
+0.1pp QoQ
 +0.4pp 0.9% 1.5% 1.0% 79%
Allowance Coverage 1.07x
-78.9% YoY
+0.4% QoQ
 -23.08x 24.15x 61.99x 20.23x 29%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.2% 0.2% 21%

Profitability

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
ROE 19.5%
+2.2pp YoY
+0.5pp QoQ
 +7.3pp 12.2% 11.9% 11.6% 87%
Cost of Funds (YTD) 2.5%
-0.4pp YoY
0.0pp QoQ
 +0.8pp 1.7% 1.8% 1.7% 89%
Net Income ($, YTD) $1.2M
+21.2% YoY
— QoQ
 -$1.3M $2.6M $8.7M $40.4M 33%

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 (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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

431
Net Interest Margin
profitability
Value: 4.64%
Peer Median: 3.99%
#431 of 2643 Top 16.3% in $100M-$1B

Top Weaknesses (6 metrics)

2474
Tier 1 Capital Ratio
capital
Value: 9.64%
Peer Median: 15.91%
#2474 of 2643 Bottom 6.4% in $100M-$1B
2255
Nonperforming Asset Ratio
credit_quality
Value: 1.32%
Peer Median: 0.67%
#2255 of 2643 Bottom 14.7% in $100M-$1B
2154
Total Assets
size
Value: $166.94M
Peer Median: $386.57M
#2154 of 2643 Bottom 18.5% in $100M-$1B
2124
Delinquency Rate
credit_quality
Value: 1.43%
Peer Median: 0.92%
#2124 of 2633 Bottom 19.4% in $100M-$1B
2115
Loan-to-Deposit Ratio
liquidity
Value: 93.11%
Peer Median: 77.95%
#2115 of 2643 Bottom 20.0% in $100M-$1B
2115
Total Deposits
size
Value: $145.37M
Peer Median: $326.73M
#2115 of 2643 Bottom 20.0% in $100M-$1B
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