The Security National Bank of Enid
Total assets
$400.4M
▲ +2.6% YoY
Deposits
$366.0M
▲ +2.3% YoY
Loans
$232.8M
▲ +4.9% YoY
Offices
3
SECURITY FINL SERVICES CORP
ROA (annualized)
1.63%
peers 1.24%
ROE (annualized)
19.25%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.6% | +4.4% | -1.8 pts |
| Deposit growth (YoY) | +2.3% | +4.0% | -1.6 pts |
| Loan growth (YoY) | +4.9% | +5.6% | -0.7 pts |
| ROA | 1.63% | 1.24% | +0.4 pts |
| ROE | 19.3% | 11.9% | +7.4 pts |
ROA ranks in the 73rd percentile of its peer group · Q2 2026
Profile
- Established
- 1907
- Charter
- OCC
- Primary regulator
- OCC
- Holding company
- SECURITY FINL SERVICES CORP
- Specialization
- Commercial Lending Specialization
- Address
- 100 S Independence St, Enid, OK, 73701
- County
- Garfield
- Metro area
- Enid, OK
- Offices
- 3
- FDIC cert #
- 14966
- RSSD ID
- 119153
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $400.4M | $366.0M | $232.8M | $33.5M | $3.2M | 1.63% | 3.17% | 0.08% |
| Q1 2026 | $401.4M | $366.6M | $231.7M | $33.8M | $1.4M | 1.45% | 3.08% | 0.12% |
| Q4 2025 | $390.3M | $356.3M | $228.9M | $33.5M | $5.4M | 1.40% | 2.94% | 0.14% |
| Q3 2025 | $369.6M | $335.1M | $223.2M | $33.6M | $3.9M | 1.36% | 2.88% | 0.14% |
| Q2 2025 | $390.4M | $357.7M | $221.9M | $31.9M | $2.5M | 1.29% | 2.78% | 0.15% |
| Q1 2025 | $399.2M | $367.2M | $222.3M | $31.2M | $1.1M | 1.17% | 2.63% | 0.20% |
| Q4 2024 | $382.4M | $352.3M | $215.5M | $29.6M | $4.8M | 1.27% | 2.66% | 0.17% |
| Q3 2024 | $373.7M | $342.0M | $207.9M | $30.6M | $3.7M | 1.33% | 2.64% | 0.27% |
Loan mix (Q2 2026): real estate $188.3M · commercial $19.6M · consumer $1.4M · securities $140.8M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.63% | 1.24% | 73th | |
Return on equity Annualized net income ÷ equity or net worth | 19.3% | 11.9% | 86th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.17% | 3.96% | 15th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 50.2% | 62.9% | 16th | |
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% |
Balance sheet
| 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% |
Capital
| 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% |
Credit quality
| 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% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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