SECURITY BANK AND TRUST COMPANY

MIAMI, OK | Small | Est. Dec. 1, 1922, midnight | FDIC #9881 | RSSD #19356 | FDIC
Latest Report: 2025-12-31

SECURITY BANK AND TRUST COMPANY is asn small FDIC-insured commercial bank headquartered in MIAMI, OK, established in Dec. 1, 1922, midnight. As of 2025-12-31, the bank reported total assets of $152M and total deposits of $131M. Profitability stands at 1.41% ROA and 17.68% ROE, with a net interest margin of 4.50%. The bank's CET1 capital ratio is 10.26%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.44% and a Texas Ratio of 5.67%. FDIC Certificate #9881.

Assets

$152M

Deposits

$131M

Loans

$123M

Equity

$12M

Profitability

Return on Assets (ROA) 1.41%
Return on Equity (ROE) 17.68%
Net Interest Margin (NIM) 4.50%
Yield on Assets 7.26%
Cost of Funds 2.70%

Asset Quality

NPL Ratio 0.44%
Net Charge-Off Ratio 0.09%
Texas Ratio 5.67%
NPA Ratio 0.52%
ACL / Loans 1.50%

Capital & Liquidity

CET1 Ratio 10.26%
Tier 1 Capital 10.26%
Total Capital Ratio 11.51%
Leverage Ratio 8.31%
Loan-to-Deposit 93.43%

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