Security State Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 2.19 percentage points lower than in Q1 2026, at 77.90%. Security State Bank ranks 109th of 169 Oklahoma banks on loan-to-deposit ratio, in the lower half at 70.25% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Security State Bank sits 10.31 points lower, at 70.25% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $174.1M |
| Net loans and leases | $170.8M |
| Loans held for sale | $0 |
| Loans to total assets | 62.29% |
| Loan-to-deposit ratio | 70.25% |
| Net loans to equity capital | 5.83% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 9.74% |
| Multifamily (5+ residential) | 1.47% |
| Commercial and industrial | 10.83% |
| Consumer | 4.96% |
| Credit cards | 0.00% |
| Farm | 18.88% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 77.90% |
| Construction concentration (Tier 1 capital + allowance) | 4.39% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.11% |
| Interest income on loans | $3.0M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $151.1M | $214.7M | 16.46% | 13.76% | 5.77% |
| Q4 2023 | $155.4M | $232.1M | 16.98% | 12.71% | 5.54% |
| Q1 2024 | $159.0M | $227.5M | 16.00% | 13.05% | 5.26% |
| Q2 2024 | $159.7M | $227.0M | 15.89% | 12.55% | 4.85% |
| Q3 2024 | $160.5M | $222.9M | 15.51% | 12.06% | 4.77% |
| Q4 2024 | $157.2M | $235.3M | 15.20% | 11.95% | 4.60% |
| Q1 2025 | $156.6M | $239.3M | 15.26% | 11.48% | 4.51% |
| Q2 2025 | $156.2M | $239.4M | 10.04% | 12.13% | 4.42% |
| Q3 2025 | $158.6M | $239.1M | 10.15% | 11.21% | 4.42% |
| Q4 2025 | $173.8M | $246.6M | 10.11% | 10.50% | 4.27% |
| Q1 2026 | $180.8M | $256.6M | 9.48% | 10.55% | 4.40% |
| Q2 2026 | $174.1M | $247.9M | 9.74% | 10.83% | 4.96% |
Security State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Security State Bank, freeSource: Call Report Schedule RC-C, 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 Security State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 421) · FFIEC NIC profile (RSSD 58551)