SECURITY NATIONAL BANK OF ENID, THE

ENID, OK | Small | Est. Jan. 1, 1907, midnight | FDIC #14966 | RSSD #119153 | OCC
Latest Report: 2025-12-31

SECURITY NATIONAL BANK OF ENID, THE is asn small FDIC-insured commercial bank headquartered in ENID, OK, established in Jan. 1, 1907, midnight. As of 2025-12-31, the bank reported total assets of $390M and total deposits of $356M. Profitability stands at 1.55% ROA and 17.62% ROE, with a net interest margin of 3.31%. The bank's CET1 capital ratio is 16.95%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.22% and a Texas Ratio of 1.40%. FDIC Certificate #14966.

Assets

$390M

Deposits

$356M

Loans

$232M

Equity

$34M

Profitability

Return on Assets (ROA) 1.55%
Return on Equity (ROE) 17.62%
Net Interest Margin (NIM) 3.31%
Yield on Assets 5.13%
Cost of Funds 1.84%

Asset Quality

NPL Ratio 0.22%
Net Charge-Off Ratio 0.07%
Texas Ratio 1.40%
NPA Ratio 0.13%
ACL / Loans 1.27%

Capital & Liquidity

CET1 Ratio 16.95%
Tier 1 Capital 16.95%
Total Capital Ratio 18.21%
Leverage Ratio 9.18%
Loan-to-Deposit 65.07%

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