BlastPoint's Banking Scorecard
Security Bank
Community
Specialty: Commercial
OK
FDIC cert 4178
Tulsa, OK
1484
banks in Community tier nationally
45 in OK
View Community leaderboard (OK) →
Security Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 32% in Community
- + Efficiency Ratio 22.38% below tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 7% in Community
- - Non-Interest Income / Assets 0.61% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$898.4M
+2.7% YoY
-2.2% QoQ
|
-$493.1M |
$1.4B
+2.0% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
43% |
| Total Loans ? |
$735.6M
-0.1% YoY
-0.1% QoQ
|
-$239.9M |
$975.5M
+2.4% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
53% |
| Total Deposits ? |
$792.4M
+2.1% YoY
-2.4% QoQ
|
-$372.2M |
$1.2B
+1.7% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
46% |
| Return on Assets ? |
2.31%
+5.1% YoY
+0.7% QoQ
|
+1.14% |
1.16%
+17.2% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
Top 5% in tier |
| Net Interest Margin ? |
4.21%
+3.6% YoY
-0.0% QoQ
|
+0.55% |
3.66%
+9.1% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
78% |
| Efficiency Ratio ? |
40.26%
-3.8% YoY
+0.5% QoQ
|
-22.38% |
62.63%
-5.3% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Top 5% in tier |
| Delinquency Rate ? |
0.30%
+99.2% YoY
-47.4% QoQ
|
-0.33% |
0.63%
+18.3% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
61% |
| Loan-to-Deposit Ratio ? |
92.82%
-2.2% YoY
+2.4% QoQ
|
+9.76% |
83.06%
+0.3% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
73% |
| Non-Interest-Bearing Deposit Share ? |
16.58%
-2.4% YoY
-3.0% QoQ
|
-4.47% |
21.05%
-0.9% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
32% |
| Nonperforming Asset Ratio ? |
0.31%
+23.8% YoY
-38.5% QoQ
|
-0.19% |
0.50%
+20.3% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
53% |
| Tier 1 Capital Ratio ? |
13.26%
+7.8% YoY
+0.0% QoQ
|
+3.02% |
10.24%
-0.6% YoY
|
7.74%
-5.6% YoY
|
9.75%
-1.9% YoY
|
61% |
| Non-Interest Income / Assets ? |
0.13%
-2.8% YoY
+36.9% QoQ
|
-0.61% |
0.74%
-1.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
Bottom 5% in tier |
Signature Analysis
Strengths (2)
Profitability Leader
growth
#118 of 371 · Top 32% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
2.31%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank improving
Efficiency Ratio
metric
Top 5%
in Community
Why this stands out
Current:
40.26%
(Tier avg: 62.63%, National avg: 65.09%)
Concerns (2)
Liquidity Strain
risk
#36 of 513 · Bottom 7% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
92.82%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
Non-Interest Income / Assets
metric
Bottom 5%
in Community
Why this stands out
Current:
0.13%
(Tier avg: 0.74%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
95
95th pctile
Return on Assets
Current: 2.31% · Tier avg: 1.16%
95
95th pctile
Efficiency Ratio
Current: 40.26% · Tier avg: 62.63%
78
78th pctile
Net Interest Margin
Current: 4.21% · Tier avg: 3.66%
73
73th pctile
Loan-to-Deposit Ratio
Current: 92.82% · Tier avg: 83.06%
61
61th pctile
Delinquency Rate
Current: 0.30% · Tier avg: 0.63%
61
61th pctile
Tier 1 Capital Ratio
Current: 13.26% · Tier avg: 10.24%
53
53th pctile
Nonperforming Asset Ratio
Current: 0.31% · Tier avg: 0.50%
53
53th pctile
Total Loans
Current: $735.6M · Tier avg: $975.5M
46
46th pctile
Total Deposits
Current: $792.4M · Tier avg: $1.2B
43
43th pctile
Total Assets
Current: $898.4M · Tier avg: $1.4B
32
32th pctile
Non-Interest-Bearing Deposit Share
Current: 16.58% · Tier avg: 21.05%
5
5th pctile
Non-Interest Income / Assets
Current: 0.13% · Tier avg: 0.74%
Top Weaknesses
5
5th pctile
Non-Interest Income / Assets
Current: 0.13% · Tier avg: 0.74%
32
32th pctile
Non-Interest-Bearing Deposit Share
Current: 16.58% · Tier avg: 21.05%
43
43th pctile
Total Assets
Current: $898.4M · Tier avg: $1.4B
46
46th pctile
Total Deposits
Current: $792.4M · Tier avg: $1.2B
53
53th pctile
Total Loans
Current: $735.6M · Tier avg: $975.5M
53
53th pctile
Nonperforming Asset Ratio
Current: 0.31% · Tier avg: 0.50%
61
61th pctile
Tier 1 Capital Ratio
Current: 13.26% · Tier avg: 10.24%
61
61th pctile
Delinquency Rate
Current: 0.30% · Tier avg: 0.63%
73
73th pctile
Loan-to-Deposit Ratio
Current: 92.82% · Tier avg: 83.06%
78
78th pctile
Net Interest Margin
Current: 4.21% · Tier avg: 3.66%
95
95th pctile
Efficiency Ratio
Current: 40.26% · Tier avg: 62.63%
95
95th pctile
Return on Assets
Current: 2.31% · Tier avg: 1.16%