Security Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Construction concentration (Tier 1 capital + allowance): 17.27 percentage points higher than in Q1 2026, at 55.29%. Security Bank ranks 36th of 169 Oklahoma banks on loan-to-deposit ratio, in the upper half at 93.63% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Security Bank sits 13.07 points higher, at 93.63% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $774.8M |
| Net loans and leases | $759.5M |
| Loans held for sale | $0 |
| Loans to total assets | 82.51% |
| Loan-to-deposit ratio | 93.63% |
| Net loans to equity capital | 6.99% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 49.69% |
| Multifamily (5+ residential) | 1.17% |
| Commercial and industrial | 25.60% |
| Consumer | 0.54% |
| Credit cards | 0.00% |
| Farm | 2.78% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.12% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 230.80% |
| Construction concentration (Tier 1 capital + allowance) | 55.29% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.32% |
| Interest income on loans | $14.0M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $682.9M | $709.6M | 46.85% | 25.40% | 0.72% |
| Q4 2023 | $708.7M | $729.1M | 45.98% | 25.83% | 0.72% |
| Q1 2024 | $735.4M | $746.7M | 48.61% | 25.54% | 0.78% |
| Q2 2024 | $737.7M | $745.5M | 48.85% | 24.85% | 0.73% |
| Q3 2024 | $736.1M | $756.6M | 49.85% | 24.68% | 0.75% |
| Q4 2024 | $750.1M | $775.8M | 49.76% | 24.72% | 0.70% |
| Q1 2025 | $763.2M | $788.2M | 50.30% | 25.24% | 0.68% |
| Q2 2025 | $772.8M | $799.2M | 49.90% | 26.08% | 0.64% |
| Q3 2025 | $752.0M | $812.2M | 50.32% | 26.58% | 0.60% |
| Q4 2025 | $750.3M | $792.4M | 50.29% | 26.65% | 0.58% |
| Q1 2026 | $765.3M | $804.0M | 52.34% | 25.81% | 0.57% |
| Q2 2026 | $774.8M | $827.5M | 49.69% | 25.60% | 0.54% |
Security Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Security Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Security Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4178) · FFIEC NIC profile (RSSD 516855)