Security Bank (Tulsa, OK)
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Data as of · sourced from FFIEC call reports. How we update
Security Bank is an FDIC-insured commercial bank headquartered in Tulsa, OK, established in 1902 (FDIC certificate 4178), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $939.0M, up 4.0% from Q2 2025, the 29th largest of 169 banks headquartered in Oklahoma. Its CET1 capital ratio was 13.34% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 4178
- Headquarters
- Tulsa, OK
- Established
- 1902
- Total assets, Q2 2026
- $939.0M
- Assets vs Q2 2025
- +4.0%
- CET1 ratio, Q2 2026
- 13.34%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 103102216
- Holding company
- PAWNEE HOLDING COMPANY, INC.
- Asset rank in state
- 29th of 169 in Oklahoma
Security received FDIC open-bank assistance in September 1990, one of the rare cases where the FDIC intervened to preserve operations rather than close the bank. Security Bank runs leaner than most banks of its size. Based in Tulsa, Oklahoma, it had $939 million in assets at June 30, 2026, up 4.0% from a year earlier. It spends about 42 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 61 cents). On the other hand, it pays an average of 2.80% on its deposits and borrowings, higher than about 9 in 10 banks its size (median 1.80%).
Its $198 million commercial and industrial book is improving, with 0.53% past due or on nonaccrual, down from 2.10% a year earlier. Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.15% of loans from 0.51%. Concentration is the risk to watch: it holds commercial real estate loans worth 2.3 times its capital, about double the median of 1.2 times for banks its size.
As of June 30, 2026, Security Bank reported a CET1 capital ratio of 13.34%, a return on assets of 2.20%, a nonperforming-loan ratio of 0.15% and a Texas ratio of 0.99%. The figures come from its call report filed with the FFIEC.
Security Bank ranks as the 29th largest of the 169 banks based in Oklahoma, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 2.5% to $939.0M, loans rose 1.2% and deposits rose 2.9%. Non-owner-occupied commercial real estate loans made up 27.0% of its total loans on June 30, 2026, its largest category; next came commercial and industrial loans at 25.6%. The FDIC Summary of Deposits lists a single office for it, in Tulsa, OK. By the capital ratios in its Q2 2026 call report, Security Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 10727 E 51st St, Tulsa, OK 74146
- County
- Tulsa
- Metro Area
- Tulsa, OK
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1902
- Former names
- Security Bank, National Association (2000)
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 72
- Domestic deposits
- $827.5M
- Allowance for credit losses
- $15.3M
- Net charge-offs (YTD)
- $84K
- Average total assets
- $922.0M
- Average total loans
- $767.1M
- Average interest-bearing deposits
- $663.7M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4178
- Fed RSSD
- 516855
- Website
- http://www.sbtulsa.bank →
- Parent Holding Company
- PAWNEE HOLDING COMPANY, INC. (RSSD 1494343)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Security Bank's total assets ranged from $799.4M (Q3 2023) to $939.0M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$939.0M total assets against $903.2M; $830.3M total liabilities against $801.9M.
$759.5M net loans and leases against $757.1M; $827.5M total deposits against $799.2M.
$32.4M securities against $30.4M; $137.3M cash and balances due against $104.8M.
$15.4M total interest income against $15.8M; $5.7M total interest expense against $6.6M.
$9.7M net interest income against $9.2M.
$278K total noninterest income against $344K; $4.2M total noninterest expense against $3.9M.
$400K provision for credit losses against $150K.
$5.1M net income against $5.3M.
2.20% return on assets against 2.36%; 4.23% net interest margin against 4.16%.
13.34% CET1 capital ratio against 12.88%; 11.84% tier 1 leverage ratio against 11.42%.
Inside the full Security Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Security Bank rankings
Its closest position to the top of a national ranking is 302 of 3,606, for efficiency ratio; its furthest is 2,681 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 2.08% (Q4 2024) to 2.55% (Q3 2024) and its net interest margin ran from 3.86% (Q4 2024) to 4.28% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.34% | 2.20% | 0.15% | 0.99% | 4.23% |
| Q1 2026 | 13.54% | 2.18% | 0.25% | 1.88% | 4.15% |
| Q4 2025 | 13.26% | 2.32% | 0.29% | 2.28% | 4.06% |
| Q3 2025 | 13.26% | 2.21% | 0.56% | 3.85% | 4.28% |
| Q2 2025 | 12.88% | 2.36% | 0.52% | 3.37% | 4.16% |
| Q1 2025 | 12.84% | 2.34% | 0.94% | 4.27% | 3.97% |
| Q4 2024 | 12.30% | 2.08% | 0.15% | 1.75% | 3.86% |
| Q3 2024 | 12.58% | 2.55% | 0.03% | 1.18% | 4.20% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Security Bank (main office) | Tulsa , OK | 74146 | $827.5M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| September 12, 1990 | FDIC Assistance | Open Bank Assistance | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC); 10 against individuals associated with it
- April 30, 1992, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Pawnee National Bank
- Period: Most recent institution action April 30, 1992. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.6% of deposits in OK, rank 31 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 73 applications, 62 loans originated, $20.9M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 5 loans, $3.9M approved, $774K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Security Bank
What are Security Bank's total assets?
As of the Q2 2026 filing, Security Bank reported total assets of $939.0 million in its FFIEC call report.
Where is Security Bank headquartered?
It is headquartered in Tulsa, OK, United States.
When was Security Bank founded?
It was established in 1902, per the FDIC institution directory.
Is Security Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #4178). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Security Bank?
Security Bank's primary federal regulator is the Federal Reserve.
What is Security Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.34% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Security Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Security Bank's Texas Ratio?
Its Texas Ratio is 0.99% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Security Bank previously called?
The charter now named Security Bank has also operated as Security Bank, National Association (2000), per FDIC structure-change records.
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