Security First National Bank of Hugo: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Security First National Bank of Hugo of Hugo, OK against its peer group of 2672 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 | 1.71% | 1.34% | +0.37% | 74th above |
| ROAE | 16.82% | 13.31% | +3.51% | 75th top |
| Net Interest Margin | 5.46% | 3.93% | +1.53% | 97th top |
| Efficiency Ratio | 59.20% | 61.14% | -1.94% | 57th above |
| PPNR / Avg Assets | 2.24% | 1.68% | +0.56% | 81st top |
| Yield on Earning Assets | 6.92% | 5.67% | +1.25% | 94th top |
| Cost of Funds | 1.52% | 1.88% | -0.36% | 68th above |
| Net Interest Spread | 4.91% | 3.32% | +1.59% | 97th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 4.15% | 0.94% | +3.21% | 3rd bottom |
| NPA / Total Assets | 3.04% | 0.70% | +2.34% | 3rd bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.05% | 0.16% | -0.11% | 25th below |
| ACL / Total Loans | 1.28% | 1.28% | +0.00% | 60th above |
| ACL / NPLs (Coverage) | 30.87% | 1538.89% | -1508.02% | 4th bottom |
| Texas Ratio | 26.66% | 7.33% | +19.33% | 4th bottom |
| Provision / NCO | 0.00% | 1395.77% | -1395.77% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.38% | 12.14% | -1.76% | 39th below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.47% | 11.37% | -0.90% | 52nd above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.47% | 11.09% | -0.62% | 56th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 82.83% | 80.64% | +2.19% | 45th below |
| Core Deposit Ratio | 81.40% | 86.86% | -5.46% | 19th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.72% | 6.85% | -6.13% | 24th bottom |
| Loan Growth (Y/Y) | -5.62% | 7.90% | -13.52% | 6th bottom |
| Deposit Growth (Y/Y) | 0.82% | 6.29% | -5.47% | 28th below |
See Security First National Bank of Hugo's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Security First National Bank of Hugo, 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 First National Bank of Hugo profile, how to read a UBPR, or how this data updates.