Security Bank and Trust Company: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Core deposits to total deposits dropped 8.67 percentage points in Q2 2026, from 87.10% to 78.43%. It was the largest change from Q1 2026 among the key lines here. Within Oklahoma, Security Bank and Trust Company is 73rd of 169 on return on assets, 1.54% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Security Bank and Trust Company sits 0.29 points higher, at 1.54% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 9.64% |
| Tier 1 risk-based capital ratio | 9.64% |
| Total risk-based capital ratio | 10.90% |
| Tier 1 leverage ratio | 8.04% |
| Equity capital to assets | 7.54% |
| Tangible equity to tangible assets | 7.11% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.38% |
| Non-performing assets ratio | 1.29% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 16.37% |
| Allowance for credit losses to loans | 1.52% |
| Reserve coverage of non-performing loans | 110.26% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.54% |
| Return on equity | 19.84% |
| Net interest margin | 4.49% |
| Efficiency ratio | 61.12% |
| Yield on earning assets | 6.91% |
| Cost of funds | 2.53% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 94.55% |
| Core deposits to total deposits | 78.43% |
| Brokered deposits to total deposits | 20.35% |
| Deposits to assets | 87.08% |
| Securities to assets | 6.93% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | — | — | — | 9.14% | 1.33% |
| Q4 2023 | — | — | — | 8.76% | 0.93% |
| Q1 2024 | 10.15% | 10.15% | 11.33% | 8.43% | 1.44% |
| Q2 2024 | 10.69% | 10.69% | 11.89% | 8.86% | 3.37% |
| Q3 2024 | 10.24% | 10.24% | 11.45% | 8.57% | 0.94% |
| Q4 2024 | 10.16% | 10.16% | 11.41% | 8.23% | 0.73% |
| Q1 2025 | 10.57% | 10.57% | 11.82% | 8.62% | 1.32% |
| Q2 2025 | 10.07% | 10.07% | 11.32% | 8.32% | 1.37% |
| Q3 2025 | 10.30% | 10.30% | 11.55% | 8.32% | 1.08% |
| Q4 2025 | 10.26% | 10.26% | 11.51% | 8.31% | 1.42% |
| Q1 2026 | 10.31% | 10.31% | 11.57% | 8.63% | 1.55% |
| Q2 2026 | 9.64% | 9.64% | 10.90% | 8.04% | 1.54% |
Security Bank and Trust Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Security Bank and Trust Company, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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 and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9881) · FFIEC NIC profile (RSSD 19356)