The Security National Bank of Enid: 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.
Reserve coverage of non-performing loans climbed 273.62 percentage points in Q2 2026, from 546.38% to 820.00%. It was the largest change from Q1 2026 among the key lines here. Within Oklahoma, The Security National Bank of Enid is 60th of 169 on return on assets, 1.78% 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. The Security National Bank of Enid sits 0.53 points higher, at 1.78% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 17.22% |
| Tier 1 risk-based capital ratio | 17.22% |
| Total risk-based capital ratio | 18.48% |
| Tier 1 leverage ratio | 8.74% |
| Equity capital to assets | 8.37% |
| Tangible equity to tangible assets | 8.37% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.15% |
| Non-performing assets ratio | 0.09% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 0.99% |
| Allowance for credit losses to loans | 1.25% |
| Reserve coverage of non-performing loans | 820.00% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.78% |
| Return on equity | 21.44% |
| Net interest margin | 3.22% |
| Efficiency ratio | 48.44% |
| Yield on earning assets | 4.97% |
| Cost of funds | 1.90% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 64.43% |
| Core deposits to total deposits | 88.46% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 91.41% |
| Securities to assets | 35.17% |
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 | 17.66% | 17.66% | 18.92% | 9.23% | 0.95% |
| Q4 2023 | 16.60% | 16.60% | 17.86% | 9.29% | 1.01% |
| Q1 2024 | 16.38% | 16.38% | 17.64% | 8.87% | 1.45% |
| Q2 2024 | 17.60% | 17.60% | 18.86% | 8.63% | 1.31% |
| Q3 2024 | 17.60% | 17.60% | 18.86% | 8.87% | 1.14% |
| Q4 2024 | 16.87% | 16.87% | 18.13% | 8.98% | 1.13% |
| Q1 2025 | 17.06% | 17.06% | 18.31% | 8.80% | 1.18% |
| Q2 2025 | 17.54% | 17.54% | 18.80% | 8.64% | 1.39% |
| Q3 2025 | 18.07% | 18.07% | 19.32% | 8.94% | 1.45% |
| Q4 2025 | 16.95% | 16.95% | 18.21% | 9.18% | 1.57% |
| Q1 2026 | 17.16% | 17.16% | 18.41% | 8.95% | 1.46% |
| Q2 2026 | 17.22% | 17.22% | 18.48% | 8.74% | 1.78% |
The Security National Bank of Enid vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Security National Bank of Enid, 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 The Security National Bank of Enid profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14966) · FFIEC NIC profile (RSSD 119153)