BlastPoint's Banking Scorecard
Security State Bank of Oklahoma
Micro
Specialty: Other
OK
FDIC cert 8980
Designations: ✓ Community bank
Wewoka, OK
2498
banks in Micro tier nationally
121 in OK
View Micro leaderboard (OK) →
Security State Bank of Oklahoma shows strong momentum with 3 strengths and 5.8% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.25% above tier
- + Efficiency Ratio 26.58% below tier
- + Non-Interest-Bearing Deposit Share 14.39% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$394.8M
+5.8% YoY
+0.8% QoQ
|
+$177.3M |
$217.5M
+2.3% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
Top 12% in tier |
| Total Loans ? |
$192.3M
-0.9% YoY
-2.7% QoQ
|
+$53.1M |
$139.2M
+2.8% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
72% |
| Total Deposits ? |
$319.9M
+1.6% YoY
+14.9% QoQ
|
+$136.2M |
$183.7M
+1.8% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
85% |
| Return on Assets ? |
2.34%
+22.0% YoY
+5.1% QoQ
|
+1.25% |
1.08%
+14.7% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
Top 5% in tier |
| Net Interest Margin ? |
4.76%
+9.3% YoY
+1.1% QoQ
|
+0.90% |
3.85%
+6.6% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
Top 14% in tier |
| Efficiency Ratio ? |
41.14%
-3.7% YoY
-0.3% QoQ
|
-26.58% |
67.73%
-4.8% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Top 2% in tier |
| Delinquency Rate ? |
1.33%
-28.2% YoY
-19.3% QoQ
|
+0.69% |
0.64%
+24.4% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
22% |
| Loan-to-Deposit Ratio ? |
60.13%
-2.4% YoY
-15.3% QoQ
|
-14.40% |
74.53%
+0.5% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
76% |
| Non-Interest-Bearing Deposit Share ? |
36.78%
+0.5% YoY
-10.8% QoQ
|
+14.39% |
22.39%
-1.3% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
Top 10% in tier |
| Nonperforming Asset Ratio ? |
0.67%
-32.2% YoY
-21.8% QoQ
|
+0.21% |
0.45%
+25.1% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
30% |
| Tier 1 Capital Ratio ? |
18.17%
+11.3% YoY
-5.0% QoQ
|
+9.31% |
8.85%
-3.4% YoY
|
7.74%
-5.6% YoY
|
9.75%
-1.9% YoY
|
83% |
| Non-Interest Income / Assets ? |
0.50%
-6.5% YoY
+58.6% QoQ
|
-0.07% |
0.56%
+0.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
69% |
Signature Analysis
Strengths (3)
Return on Assets
metric
Top 5%
in Micro
Why this stands out
Current:
2.34%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Top 2%
in Micro
Why this stands out
Current:
41.14%
(Tier avg: 67.73%, National avg: 65.09%)
Non-Interest-Bearing Deposit Share
metric
Top 10%
in Micro
Why this stands out
Current:
36.78%
(Tier avg: 22.39%, National avg: 21.79%)
Concerns (0)
No concerns identified
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
98
98th pctile
Efficiency Ratio
Current: 41.14% · Tier avg: 67.73%
95
95th pctile
Return on Assets
Current: 2.34% · Tier avg: 1.08%
90
90th pctile
Non-Interest-Bearing Deposit Share
Current: 36.78% · Tier avg: 22.39%
88
88th pctile
Total Assets
Current: $394.8M · Tier avg: $217.5M
86
86th pctile
Net Interest Margin
Current: 4.76% · Tier avg: 3.85%
85
85th pctile
Total Deposits
Current: $319.9M · Tier avg: $183.7M
83
83th pctile
Tier 1 Capital Ratio
Current: 18.17% · Tier avg: 8.85%
76
76th pctile
Loan-to-Deposit Ratio
Current: 60.13% · Tier avg: 74.53%
72
72th pctile
Total Loans
Current: $192.3M · Tier avg: $139.2M
69
69th pctile
Non-Interest Income / Assets
Current: 0.50% · Tier avg: 0.56%
30
30th pctile
Nonperforming Asset Ratio
Current: 0.67% · Tier avg: 0.45%
22
22th pctile
Delinquency Rate
Current: 1.33% · Tier avg: 0.64%
Top Weaknesses
22
22th pctile
Delinquency Rate
Current: 1.33% · Tier avg: 0.64%
30
30th pctile
Nonperforming Asset Ratio
Current: 0.67% · Tier avg: 0.45%
69
69th pctile
Non-Interest Income / Assets
Current: 0.50% · Tier avg: 0.56%
72
72th pctile
Total Loans
Current: $192.3M · Tier avg: $139.2M
76
76th pctile
Loan-to-Deposit Ratio
Current: 60.13% · Tier avg: 74.53%
83
83th pctile
Tier 1 Capital Ratio
Current: 18.17% · Tier avg: 8.85%
85
85th pctile
Total Deposits
Current: $319.9M · Tier avg: $183.7M
86
86th pctile
Net Interest Margin
Current: 4.76% · Tier avg: 3.85%
88
88th pctile
Total Assets
Current: $394.8M · Tier avg: $217.5M
90
90th pctile
Non-Interest-Bearing Deposit Share
Current: 36.78% · Tier avg: 22.39%
95
95th pctile
Return on Assets
Current: 2.34% · Tier avg: 1.08%
98
98th pctile
Efficiency Ratio
Current: 41.14% · Tier avg: 67.73%