Security First National Bank of Hugo
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Data as of · sourced from FFIEC call reports. How we update
Security First National Bank of Hugo is an FDIC-insured commercial bank headquartered in Hugo, OK, established in 1930 (FDIC certificate 432), and it is supervised by the OCC. At Q2 2026 it reported total assets of $137.7M, up 0.7% from Q2 2025, the 115th largest of 169 banks headquartered in Oklahoma. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.38% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 432
- Headquarters
- Hugo, OK
- Established
- 1930
- Total assets, Q2 2026
- $137.7M
- Assets vs Q2 2025
- +0.7%
- Tier 1 leverage ratio, Q2 2026
- 10.38%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 103112426
- Latest call report
- Q2 2026, FFIEC 051 · Security First National Bank of Hugo call report
- Holding company
- SOONER SOUTHWEST BANKSHARES, INC.
- Asset rank in state
- 115th of 169 in Oklahoma
Problem loans are rising at Security First National Bank of Hugo. Based in Hugo, Oklahoma, it had $138 million in assets at June 30, 2026. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 4.15% of loans from 0.07% a year earlier. It keeps 5.46 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). On the other hand, it carries problem assets equal to 26.7% of the capital and reserves that would absorb them, 10.1 times the median of 2.6% for banks its size.
Earnings fell sharply: quarterly net income of $594,000 was 30% below a year earlier. Over the same year, loans shrank 5.6% and deposits grew 0.8%. Concentration is the risk to watch: it holds commercial real estate loans worth 2.0 times its capital, higher than about three-quarters of banks its size (median 1.2 times).
As of June 30, 2026, Security First National Bank of Hugo reported a return on assets of 1.71%, a nonperforming-loan ratio of 4.15% and a Texas ratio of 26.66%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Security First National Bank of Hugo is the 115th largest of the 169 banks headquartered in Oklahoma. From Q1 2026 to Q2 2026, its total assets fell 1.7% to $137.7M, loans fell 1.2% and deposits fell 2.5%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 34.5% of total loans, ahead of farmland and other real estate loans at 21.5%. Its 2 offices in the FDIC Summary of Deposits are in Hugo, OK. On its Q2 2026 call report, Security First National Bank of Hugo meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 100 S Broadway St, Hugo, OK 74743
- County
- Choctaw
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- 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 7, 1930
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 30
- Domestic deposits
- $121.9M
- Allowance for credit losses
- $1.3M
- Net charge-offs (YTD)
- $14K
- Average total assets
- $139.2M
- Average total loans
- $99.9M
- Average interest-bearing deposits
- $92.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 432
- Fed RSSD
- 422657
- Website
- http://www.sfnb.net →
- Parent Holding Company
- SOONER SOUTHWEST BANKSHARES, INC. (RSSD 2411619)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Security First National Bank of Hugo reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Security First National Bank of Hugo's total assets ran between $128.9M (Q2 2024) and $140.0M (Q1 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
$137.7M total assets against $136.7M; $123.3M total liabilities against $122.1M.
$99.6M net loans and leases against $105.6M; $121.9M total deposits against $120.9M.
$12.8M securities against $11.0M; $17.3M cash and balances due against $11.4M.
$2.2M total interest income against $2.5M; $468K total interest expense against $438K.
$1.8M net interest income against $2.1M.
$162K total noninterest income against $225K; $1.1M total noninterest expense against $1.1M.
$0 provision for credit losses against $0.
$594K net income against $850K.
1.71% return on assets against 2.47%; 5.46% net interest margin against 6.65%.
10.38% tier 1 leverage ratio against 10.65%.
Inside the full Security First National Bank of Hugo 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.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
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 First National Bank of Hugo rankings
Its closest position to the top of a national ranking is 82 of 3,640, for Texas Ratio; its furthest is 3,390 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.71% (Q2 2026) to 2.97% (Q3 2024) and its net interest margin ran from 5.46% (Q2 2026) to 7.18% (Q3 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.38% | 1.71% | 4.15% | 26.66% | 5.46% |
| Q1 2026 | 10.00% | 2.12% | 3.12% | 21.01% | 5.75% |
| Q4 2025 | 9.46% | 2.36% | 3.07% | 23.10% | 6.22% |
| Q3 2025 | 11.42% | 2.44% | 3.05% | 20.61% | 6.66% |
| Q2 2025 | 10.65% | 2.47% | 0.07% | 2.04% | 6.65% |
| Q1 2025 | 10.25% | 2.62% | 0.14% | 2.19% | 6.59% |
| Q4 2024 | 9.62% | 2.72% | 0.56% | 5.51% | 6.80% |
| Q3 2024 | 11.39% | 2.97% | 0.52% | 5.42% | 7.18% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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 First National Bank of Hugo (main office) | Hugo , OK | 74743 | $121.9M |
| Hugo Branch | Hugo , OK | 74743 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in OK, rank 129 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $500K approved, $250K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2013 (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 First National Bank of Hugo
What are Security First National Bank of Hugo's total assets?
As of the Q2 2026 filing, Security First National Bank of Hugo reported total assets of $137.7 million in its FFIEC call report.
Where is Security First National Bank of Hugo headquartered?
It is headquartered in Hugo, OK, United States.
When was Security First National Bank of Hugo founded?
It was established in 1930, per the FDIC institution directory.
Is Security First National Bank of Hugo FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #432). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Security First National Bank of Hugo?
Security First National Bank of Hugo's primary federal regulator is the OCC.
How many branches does Security First National Bank of Hugo operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Security First National Bank of Hugo's Texas Ratio?
Its Texas Ratio is 26.66% 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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