Security State Bank (Cheyenne, OK)
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Data as of · sourced from FFIEC call reports. How we update
Security State Bank is an FDIC-insured commercial bank headquartered in Cheyenne, OK, established in 1912 (FDIC certificate 421), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $279.5M, up 4.4% from Q2 2025, the 86th largest of 169 banks headquartered in Oklahoma. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.73% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 421
- Headquarters
- Cheyenne, OK
- Established
- 1912
- Total assets, Q2 2026
- $279.5M
- Assets vs Q2 2025
- +4.4%
- Tier 1 leverage ratio, Q2 2026
- 10.73%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 103109581
- Latest call report
- Q2 2026, FFIEC 051 · Security State Bank call report
- Holding company
- CHEYENNE BANKING CORPORATION
- Asset rank in state
- 86th of 169 in Oklahoma
Security State Bank is one of the more profitable banks of its size. Its balance sheet stood at $280 million at June 30, 2026, up 4.4% from a year earlier; it is based in Cheyenne, Oklahoma. It earns about $2.41 a year on every $100 of assets, about double the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 42 cents to bring in each dollar of revenue, lower than about 9 in 10 banks its size (median 61 cents).
Earnings jumped: net income for the quarter was $1.7 million, 49% above the same quarter a year earlier. Problem loans roughly halved over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.67% of loans from 1.22%. One more trend to watch: loans are outrunning deposits: over the year loans rose 11.5% and deposits rose 3.5%.
As of June 30, 2026, Security State Bank reported a return on assets of 2.41%, a nonperforming-loan ratio of 0.67% and a Texas ratio of 3.85%. The figures come from its call report filed with the FFIEC.
Of the 169 banks headquartered in Oklahoma, Security State Bank is the 86th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 2.8% to $279.5M, loans fell 3.7% and deposits fell 3.4%. Agricultural production loans made up 25.8% of its total loans on June 30, 2026, its largest category; next came farmland and other real estate loans at 18.9%. The FDIC Summary of Deposits lists 3 offices for it, in Cheyenne, OK, Laverne, OK and Hammon, OK; its Cheyenne office books 62% of its branch deposits. Judged on its Q2 2026 call report, Security State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 402 E Broadway Ave, Cheyenne, OK 73628
- County
- Roger Mills
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- June 22, 1912
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 39
- Domestic deposits
- $247.9M
- Allowance for credit losses
- $3.3M
- Net charge-offs (YTD)
- $48K
- Average total assets
- $283.6M
- Average total loans
- $162.4M
- Average interest-bearing deposits
- $190.8M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 421
- Fed RSSD
- 58551
- Website
- www.ssbcheyenne.com →
- Parent Holding Company
- CHEYENNE BANKING CORPORATION (RSSD 2180205)
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 State Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Security State Bank's total assets ranged from $238.8M (Q3 2023) to $287.6M (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
$279.5M total assets against $267.7M; $250.2M total liabilities against $241.8M.
$170.8M net loans and leases against $153.3M; $247.9M total deposits against $239.4M.
$81.4M securities against $83.3M; $12.9M cash and balances due against $16.9M.
$3.9M total interest income against $3.7M; $931K total interest expense against $1.1M.
$3.0M net interest income against $2.5M.
$298K total noninterest income against $355K; $1.4M total noninterest expense against $1.5M.
$120K provision for credit losses against $120K.
$1.7M net income against $1.1M.
2.41% return on assets against 1.71%; 4.56% net interest margin against 3.97%.
10.73% tier 1 leverage ratio against 10.83%.
Inside the full Security State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeSecurity State Bank rankings
Its closest position to the top of a national ranking is 200 of 3,611, for ROA; its furthest is 2,558 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.98% (Q4 2024) to 2.41% (Q2 2026) and its net interest margin ran from 3.97% (Q2 2025) to 4.56% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.73% | 2.41% | 0.67% | 3.85% | 4.56% |
| Q1 2026 | 10.43% | 1.86% | 0.75% | 4.60% | 4.30% |
| Q4 2025 | 10.53% | 1.42% | 0.68% | 4.19% | 4.49% |
| Q3 2025 | 10.78% | 1.41% | 0.97% | 5.36% | 4.23% |
| Q2 2025 | 10.83% | 1.71% | 1.22% | 7.28% | 3.97% |
| Q1 2025 | 10.68% | 2.02% | 1.08% | 6.46% | 4.00% |
| Q4 2024 | 10.77% | 0.98% | 1.28% | 7.90% | 4.10% |
| Q3 2024 | 11.09% | 2.26% | 0.47% | 3.04% | 4.23% |
Swipe the table sideways to see every column.
Branch Network
View all 3 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 State Bank (main office) | Cheyenne , OK | 73628 | $152.5M |
| Security State Bank Branch | Laverne , OK | 73848 | $70.1M |
| Hammon Branch | Hammon , OK | 73650 | $25.3M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| August 15, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 15, 2020 | Structure Change | Acquired Bank of Laverne Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 28, 1992 | Structure Change | Acquired Red River Federal Savings and Loan Association, F.A. Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 3 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in OK, rank 96 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $55K approved, $55K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1995 (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 State Bank
What are Security State Bank's total assets?
As of the Q2 2026 filing, Security State Bank reported total assets of $279.5 million in its FFIEC call report.
Where is Security State Bank headquartered?
It is headquartered in Cheyenne, OK, United States.
When was Security State Bank founded?
It was established in 1912, per the FDIC institution directory.
Is Security State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #421). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Security State Bank?
Security State Bank's primary federal regulator is the FDIC.
How many branches does Security State Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Security State Bank's Texas Ratio?
Its Texas Ratio is 3.85% 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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