The Security National Bank of Enid: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Security National Bank of Enid of Enid, 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 | 1.78% | 1.34% | +0.44% | 77th top |
| ROAE | 21.44% | 13.32% | +8.12% | 90th top |
| Net Interest Margin | 3.22% | 3.93% | -0.71% | 17th bottom |
| Efficiency Ratio | 48.44% | 61.14% | -12.70% | 84th top |
| PPNR / Avg Assets | 1.73% | 1.68% | +0.05% | 58th above |
| Yield on Earning Assets | 4.97% | 5.67% | -0.70% | 22nd bottom |
| Cost of Funds | 1.90% | 1.88% | +0.02% | 44th below |
| Net Interest Spread | 2.37% | 3.32% | -0.95% | 9th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.15% | 0.94% | -0.79% | 68th above |
| NPA / Total Assets | 0.09% | 0.70% | -0.61% | 71st above |
| NCO / Avg Loans | -0.01% | 0.16% | -0.17% | 87th top |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.25% | 1.28% | -0.03% | 56th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 820.00% | 1546.43% | -726.43% | 80th top |
| Texas Ratio | 0.99% | 7.34% | -6.35% | 73rd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 17.22% | 19.49% | -2.27% | 65th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 17.22% | 19.52% | -2.30% | 65th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 18.48% | 20.61% | -2.13% | 65th above |
| Leverage Ratio | 8.74% | 12.14% | -3.40% | 9th bottom |
| Equity / Assets | 8.37% | 11.37% | -3.00% | 18th bottom |
| TCE / Tangible Assets | 8.37% | 11.08% | -2.71% | 21st bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 64.43% | 80.67% | -16.24% | 78th top |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.46% | 86.85% | +1.61% | 46th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.56% | 6.84% | -4.28% | 36th below |
| Loan Growth (Y/Y) | 4.88% | 7.92% | -3.04% | 47th below |
| Deposit Growth (Y/Y) | 2.31% | 6.29% | -3.98% | 37th below |
See The Security National Bank of Enid's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Security National Bank of Enid, 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 The Security National Bank of Enid profile, how to read a UBPR, or how this data updates.