| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.3% | +4.4% | -4.0 pts |
| Deposit growth (YoY) | -2.6% | +4.0% | -6.6 pts |
| Loan growth (YoY) | +4.4% | +5.6% | -1.2 pts |
| ROA | 2.39% | 1.24% | +1.2 pts |
| ROE | 21.1% | 11.9% | +9.3 pts |
ROA ranks in the 94th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $388.2M | $287.5M | $204.8M | $46.5M | $4.7M | 2.39% | 4.88% | 0.40% |
| Q1 2026 | $394.8M | $296.9M | $200.5M | $44.5M | $2.3M | 2.31% | 4.84% | 0.68% |
| Q4 2025 | $394.8M | $319.9M | $192.3M | $42.3M | $9.0M | 2.34% | 4.76% | 0.67% |
| Q3 2025 | $391.6M | $278.4M | $197.7M | $44.6M | $6.4M | 2.22% | 4.71% | 0.85% |
| Q2 2025 | $386.9M | $295.2M | $196.1M | $39.0M | $3.8M | 2.01% | 4.67% | 1.08% |
| Q1 2025 | $381.3M | $312.0M | $191.3M | $37.7M | $1.6M | 1.67% | 4.61% | 1.02% |
| Q4 2024 | $373.1M | $315.0M | $194.0M | $35.8M | $6.9M | 1.91% | 4.35% | 0.98% |
| Q3 2024 | $360.1M | $294.4M | $186.8M | $53.4M | $5.0M | 1.88% | 4.29% | 1.04% |
Loan mix (Q2 2026): real estate $111.5M · commercial $37.9M · consumer $36.7M · securities $156.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.39% | 1.24% | 94th | |
Return on equity Annualized net income ÷ equity or net worth | 21.1% | 11.9% | 90th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.88% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 40.1% | 62.9% | 4th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
Security State Bank of Oklahoma is in an open deal as the acquirer: Security Bancshares Corporation to acquire State Bank of Wynnewood (pending, filed Sep 19, 2026). Expect integration priorities and a consolidated vendor stack after closing.
| Date | Role | Counterparty | Kind | Status | Regulator |
|---|---|---|---|---|---|
| Sep 19, 2026 | Acquirer | State Bank of Wynnewood | Acquisition | Pending | Federal Reserve |
4 branches in 3 counties across 1 state (+0 vs 2025) · $287.5M branch deposits. Biggest market: Seminole, OK, ranked 1st with 27.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Seminole, OK | 2 | $193.6M | 27.61% | 1st |
| Hughes, OK | 1 | $71.5M | 28.82% | 2nd |
| Pottawatomie, OK | 1 | $22.3M | 1.04% | 10th |
Oklahoma: 93rd with 0.17% ·
Branch count: 2022 5 · 2023 4 · 2024 4 · 2025 4 · 2026 4
Technology spend in line with peers (13 bps of assets, 2024). Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).