Security Bank and Trust Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Security Bank and Trust Company of Miami, OK against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.54% | 1.34% | +0.20% | 66th above |
| ROAE | 19.84% | 13.32% | +6.52% | 86th top |
| Net Interest Margin | 4.49% | 3.93% | +0.56% | 79th top |
| Efficiency Ratio | 61.12% | 61.13% | -0.01% | 50th above |
| PPNR / Avg Assets | 1.80% | 1.68% | +0.12% | 62nd above |
| Yield on Earning Assets | 6.91% | 5.67% | +1.24% | 94th top |
| Cost of Funds | 2.53% | 1.88% | +0.65% | 15th bottom |
| Net Interest Spread | 3.90% | 3.32% | +0.58% | 80th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.38% | 0.94% | +0.44% | 20th bottom |
| NPA / Total Assets | 1.29% | 0.70% | +0.59% | 15th bottom |
| NCO / Avg Loans | -0.01% | 0.16% | -0.17% | 87th top |
| ACL / Total Loans | 1.52% | 1.28% | +0.24% | 79th top |
| ACL / NPLs (Coverage) | 110.26% | 1546.37% | -1436.11% | 31st below |
| Texas Ratio | 16.37% | 7.34% | +9.03% | 11th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 9.64% | 19.49% | -9.85% | 1st bottom |
| Tier 1 Ratio | 9.64% | 19.52% | -9.88% | 1st bottom |
| Total Capital Ratio | 10.90% | 20.61% | -9.71% | 2nd bottom |
| Leverage Ratio | 8.04% | 12.14% | -4.10% | 2nd bottom |
| Equity / Assets | 7.54% | 11.37% | -3.83% | 9th bottom |
| TCE / Tangible Assets | 7.11% | 11.08% | -3.97% | 8th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 94.55% | 80.66% | +13.89% | 19th bottom |
| Core Deposit Ratio | 78.43% | 86.85% | -8.42% | 13th bottom |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.79% | 5.04% | -0.25% | 39th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 10.54% | 6.84% | +3.70% | 84th top |
| Loan Growth (Y/Y) | 11.75% | 7.92% | +3.83% | 79th top |
| Deposit Growth (Y/Y) | 10.23% | 6.29% | +3.94% | 83rd top |
See Security Bank and Trust Company's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Security Bank and Trust Company, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Security Bank and Trust Company profile, how to read a UBPR, or how this data updates.