Security Bank and Trust Company (Miami, OK)
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Data as of · sourced from FFIEC call reports. How we update
Security Bank and Trust Company is an FDIC-insured commercial bank headquartered in Miami, OK, established in 1922 (FDIC certificate 9881), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $166.9M, up 10.5% from Q2 2025, the 109th largest of 169 banks headquartered in Oklahoma. Its CET1 capital ratio was 9.64% at Q2 2026, above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 9881
- Headquarters
- Miami, OK
- Established
- 1922
- Total assets, Q2 2026
- $166.9M
- Assets vs Q2 2025
- +10.5%
- CET1 ratio, Q2 2026
- 9.64%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 103110907
- Latest call report
- Q2 2026, FFIEC 051 · Security Bank and Trust Company call report
- Holding company
- SSB HOLDINGS, INC.
- Asset rank in state
- 109th of 169 in Oklahoma
Problem loans are rising at Security Bank and Trust Company. Based in Miami, Oklahoma, it had $167 million in assets at June 30, 2026, up 10.5% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.41% of loans from 0.26% a year earlier. It holds common equity equal to 9.64% of its risk-weighted assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 15.12%). It also carries problem assets equal to 15.8% of the capital and reserves that would absorb them, 6.0 times the median of 2.6% for banks its size.
The commercial and industrial book ($23 million) is worsening: 4.76% of it is past due or on nonaccrual, up from 1.90% a year earlier. Net income for the quarter rose 21% from a year earlier, to $624,000. Concentration is the risk to watch: it holds commercial real estate loans worth 2.7 times its capital, about double the median of 1.2 times for banks its size.
As of June 30, 2026, Security Bank and Trust Company reported a CET1 capital ratio of 9.64%, a return on assets of 1.54%, a nonperforming-loan ratio of 1.41% and a Texas ratio of 15.80%. The figures come from its call report filed with the FFIEC.
Security Bank and Trust Company ranks as the 109th largest of the 169 banks based in Oklahoma, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 7.5% to $166.9M, loans rose 6.5% and deposits rose 6.6%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 34.2% of total loans, ahead of non-owner-occupied commercial real estate loans at 17.6%. Its 4 offices in the FDIC Summary of Deposits are in Miami, OK, Commerce, OK and Afton, OK; its Miami 2 offices book 93% of its branch deposits. By the capital ratios in its Q2 2026 call report, Security Bank and Trust Company meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 2 S Main St, Miami, OK 74354
- County
- Ottawa
- Metro Area
- Miami, OK
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- December 1, 1922
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 27
- Domestic deposits
- $145.4M
- Allowance for credit losses
- $2.1M
- Net charge-offs (YTD)
- -$2K
- Average total assets
- $161.9M
- Average total loans
- $136.6M
- Average interest-bearing deposits
- $116.9M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 9881
- Fed RSSD
- 19356
- Website
- www.sbtmiami.com →
- Parent Holding Company
- SSB HOLDINGS, INC. (RSSD 2410603)
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
Over the 12 quarters to Q2 2026, Security Bank and Trust Company's total assets ran between $129.4M (Q3 2023) and $166.9M (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
$166.9M total assets against $151.0M; $154.3M total liabilities against $139.2M.
$135.4M net loans and leases against $121.4M; $145.4M total deposits against $131.9M.
$11.6M securities against $13.5M; $12.0M cash and balances due against $8.5M.
$2.7M total interest income against $2.5M; $930K total interest expense against $976K.
$1.7M net interest income against $1.5M.
$161K total noninterest income against $176K; $1.2M total noninterest expense against $1.1M.
$110K provision for credit losses against $130K.
$624K net income against $515K.
1.54% return on assets against 1.37%; 4.49% net interest margin against 4.31%.
9.64% CET1 capital ratio against 10.07%; 8.04% tier 1 leverage ratio against 8.32%.
Inside the full Security Bank and Trust Company 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 and Trust Company rankings
Its closest position to the top of a national ranking is 276 of 3,640, for Texas Ratio; its furthest is 2,121 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.73% (Q4 2024) to 1.55% (Q1 2026) and its net interest margin ran from 3.92% (Q3 2024) to 4.55% (Q1 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.64% | 1.54% | 1.41% | 15.80% | 4.49% |
| Q1 2026 | 10.31% | 1.55% | 1.43% | 15.22% | 4.55% |
| Q4 2025 | 10.26% | 1.42% | 0.89% | 10.21% | 4.41% |
| Q3 2025 | 10.30% | 1.08% | 1.07% | 11.85% | 4.31% |
| Q2 2025 | 10.07% | 1.37% | 0.26% | 4.56% | 4.31% |
| Q1 2025 | 10.57% | 1.32% | 0.14% | 3.34% | 4.12% |
| Q4 2024 | 10.16% | 0.73% | 0.04% | 2.60% | 4.02% |
| Q3 2024 | 10.24% | 0.94% | 0.18% | 3.87% | 3.92% |
Swipe the table sideways to see every column.
Branch Network
View all 4 branches → 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 and Trust Company (main office) | Miami , OK | 74354 | $123.0M |
| North Main Branch | Miami , OK | 74354 | $12.9M |
| Commerce Branch | Commerce , OK | 74339 | $5.2M |
| Afton Branch | Afton , OK | 74331 | $4.3M |
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 |
|---|---|---|---|
| January 23, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 23, 2018 | Structure Change | Acquired First State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 18, 1985 | Structure Change | Acquired Farmers State Bank in Afton, Oklahoma Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| October 17, 1985 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in OK, rank 123 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $31K approved, $31K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1996 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 and Trust Company
What are Security Bank and Trust Company's total assets?
As of the Q2 2026 filing, Security Bank and Trust Company reported total assets of $166.9 million in its FFIEC call report.
Where is Security Bank and Trust Company headquartered?
It is headquartered in Miami, OK, United States.
When was Security Bank and Trust Company founded?
It was established in 1922, per the FDIC institution directory.
Is Security Bank and Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #9881). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Security Bank and Trust Company?
Security Bank and Trust Company's primary federal regulator is the FDIC.
What is Security Bank and Trust Company's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 9.64% in its Q2 2026 call report, above the 7% level required once the capital conservation buffer is included.
How many branches does Security Bank and Trust Company operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Security Bank and Trust Company's Texas Ratio?
Its Texas Ratio is 15.80% 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.
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