Bank Comparison
Security State Bank vs First National Bank & Trust, Elk City, Oklahoma
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 10
winning metrics across 19 comparable rows
Capital adequacy
| Metric | Security State Bank | First National Bank & Trust, Elk City, Oklahoma |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 10.43% | 13.22% |
| Equity / Assets | 9.95% | 9.57% |
Profitability
| Metric | Security State Bank | First National Bank & Trust, Elk City, Oklahoma |
|---|---|---|
| Return on Assets (ROA) | 1.86% | 2.01% |
| Return on Equity (ROE) | 18.41% | 21.94% |
| Net Interest Margin (NIM) | 4.30% | 3.87% |
| Yield on Earning Assets | 5.69% | 5.38% |
| Cost of Funds | 1.55% | 1.72% |
Asset quality
| Metric | Security State Bank | First National Bank & Trust, Elk City, Oklahoma |
|---|---|---|
| Texas Ratio | 4.60% | 5.36% |
| Non-Performing Loan Ratio | 0.53% | 0.95% |
| Non-Performing Asset Ratio | 0.33% | 0.57% |
| Net Charge-Off Ratio | -0.01% | -0.09% |
| ACL / Loans | 1.79% | 1.91% |
Balance sheet
| Metric | Security State Bank | First National Bank & Trust, Elk City, Oklahoma |
|---|---|---|
| Total Assets | $287,587K | $293,745K |
| Total Deposits | $256,631K | $263,937K |
| Total Loans | $180,759K | $160,852K |
| Total Equity | $28,620K | $28,109K |
| Net Income (quarter) | $1,307K | $1,535K |
Liquidity & funding
| Metric | Security State Bank | First National Bank & Trust, Elk City, Oklahoma |
|---|---|---|
| Loan-to-Deposit Ratio | 70.44% | 60.94% |
| Core Deposit Ratio | 75.00% | 84.48% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Security State Bank | First National Bank & Trust, Elk City, Oklahoma |
|---|---|---|
| Headquarters City | CHEYENNE | ELK CITY |
| Headquarters State | OK | OK |
| Asset Tier | Small | Small |
| Charter Class | 0 | 9952 |
| Regulator | FDIC | OCC |
| Domestic Branches | 3 | 3 |
| Employees (FTE) | 39 | 41 |
| Established | June 22, 1912, midnight | April 19, 1901, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
View full Security State Bank profile | View full First National Bank & Trust, Elk City, Oklahoma profile | Browse all bank comparisons