BlastPoint's Banking Scorecard
Security First National Bank of Hugo
Micro
Specialty: Commercial
OK
FDIC cert 432
Designations: ✓ Community bank
Hugo, OK
2498
banks in Micro tier nationally
121 in OK
View Micro leaderboard (OK) →
Security First National Bank of Hugo has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.38% above tier
- + Net Interest Margin 2.75% above tier
- + Efficiency Ratio 19.13% below tier
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.47% above tier
- - Nonperforming Asset Ratio 1.94% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$139.2M
+2.1% YoY
+2.8% QoQ
|
-$78.3M |
$217.5M
+2.3% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
34% |
| Total Loans ? |
$102.4M
-2.4% YoY
-0.8% QoQ
|
-$36.8M |
$139.2M
+2.8% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
44% |
| Total Deposits ? |
$125.0M
+2.6% YoY
+5.2% QoQ
|
-$58.7M |
$183.7M
+1.8% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
37% |
| Return on Assets ? |
2.47%
-10.4% YoY
-1.4% QoQ
|
+1.38% |
1.08%
+14.7% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
Top 4% in tier |
| Net Interest Margin ? |
6.60%
-5.7% YoY
-1.3% QoQ
|
+2.75% |
3.85%
+6.6% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
Top 1% in tier |
| Efficiency Ratio ? |
48.60%
+5.6% YoY
+0.9% QoQ
|
-19.13% |
67.73%
-4.8% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Top 8% in tier |
| Delinquency Rate ? |
3.11%
+443.1% YoY
+0.8% QoQ
|
+2.47% |
0.64%
+24.4% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
Bottom 7% in tier |
| Loan-to-Deposit Ratio ? |
81.92%
-4.8% YoY
-5.7% QoQ
|
+7.40% |
74.53%
+0.5% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
38% |
| Non-Interest-Bearing Deposit Share ? |
24.60%
-0.5% YoY
-2.1% QoQ
|
+2.20% |
22.39%
-1.3% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
62% |
| Nonperforming Asset Ratio ? |
2.39%
+314.9% YoY
-6.4% QoQ
|
+1.94% |
0.45%
+25.1% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
7.74%
-5.6% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.56%
-2.2% YoY
+25.1% QoQ
|
0 |
0.56%
+0.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
74% |
Signature Analysis
Strengths (3)
Return on Assets
metric
Top 4%
in Micro
Why this stands out
Current:
2.47%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Top 1%
in Micro
Why this stands out
Current:
6.60%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Top 8%
in Micro
Why this stands out
Current:
48.60%
(Tier avg: 67.73%, National avg: 65.09%)
Concerns (2)
Delinquency Rate
metric
Bottom 7%
in Micro
Why this stands out
Current:
3.11%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
2.39%
(Tier avg: 0.45%, National avg: 0.48%)
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
99
99th pctile
Net Interest Margin
Current: 6.60% · Tier avg: 3.85%
96
96th pctile
Return on Assets
Current: 2.47% · Tier avg: 1.08%
92
92th pctile
Efficiency Ratio
Current: 48.60% · Tier avg: 67.73%
74
74th pctile
Non-Interest Income / Assets
Current: 0.56% · Tier avg: 0.56%
62
62th pctile
Non-Interest-Bearing Deposit Share
Current: 24.60% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
44
44th pctile
Total Loans
Current: $102.4M · Tier avg: $139.2M
38
38th pctile
Loan-to-Deposit Ratio
Current: 81.92% · Tier avg: 74.53%
37
37th pctile
Total Deposits
Current: $125.0M · Tier avg: $183.7M
34
34th pctile
Total Assets
Current: $139.2M · Tier avg: $217.5M
7
7th pctile
Delinquency Rate
Current: 3.11% · Tier avg: 0.64%
0
0th pctile
Nonperforming Asset Ratio
Current: 2.39% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 2.39% · Tier avg: 0.45%
7
7th pctile
Delinquency Rate
Current: 3.11% · Tier avg: 0.64%
34
34th pctile
Total Assets
Current: $139.2M · Tier avg: $217.5M
37
37th pctile
Total Deposits
Current: $125.0M · Tier avg: $183.7M
38
38th pctile
Loan-to-Deposit Ratio
Current: 81.92% · Tier avg: 74.53%
44
44th pctile
Total Loans
Current: $102.4M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
62
62th pctile
Non-Interest-Bearing Deposit Share
Current: 24.60% · Tier avg: 22.39%
74
74th pctile
Non-Interest Income / Assets
Current: 0.56% · Tier avg: 0.56%
92
92th pctile
Efficiency Ratio
Current: 48.60% · Tier avg: 67.73%
96
96th pctile
Return on Assets
Current: 2.47% · Tier avg: 1.08%
99
99th pctile
Net Interest Margin
Current: 6.60% · Tier avg: 3.85%