Security State Bank of Oklahoma
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Data as of · sourced from FFIEC call reports. How we update
Security State Bank of Oklahoma is an FDIC-insured commercial bank headquartered in Wewoka, OK, established in 1911 (FDIC certificate 8980), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $388.2M, up 0.4% from Q2 2025, the 67th largest of 169 banks headquartered in Oklahoma. Its CET1 capital ratio was 19.59% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 8980
- Headquarters
- Wewoka, OK
- Established
- 1911
- Total assets, Q2 2026
- $388.2M
- Assets vs Q2 2025
- +0.4%
- CET1 ratio, Q2 2026
- 19.59%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 103109374
- Latest call report
- Q2 2026, FFIEC 051 · Security State Bank of Oklahoma call report
- Holding company
- SECURITY BANCSHARES CORPORATION
- Asset rank in state
- 67th of 169 in Oklahoma
Security State Bank of Oklahoma is one of the more profitable banks of its size. The Wewoka, Oklahoma bank had $388 million in assets at June 30, 2026. It earns about $2.49 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 38 cents to bring in each dollar of revenue, lower than about 9 in 10 banks its size (median 61 cents).
Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.69% of loans from 2.06%. Its $38 million commercial and industrial book is improving, with 1.63% past due or on nonaccrual, down from 4.54% a year earlier. One more trend to watch: loans and deposits moved in opposite directions: over the year loans rose 4.1% and deposits fell 2.6%.
As of June 30, 2026, Security State Bank of Oklahoma reported a CET1 capital ratio of 19.59%, a return on assets of 2.49%, a nonperforming-loan ratio of 0.69% and a Texas ratio of 3.13%. The figures come from its call report filed with the FFIEC.
Security State Bank of Oklahoma ranks as the 67th largest of the 169 banks based in Oklahoma, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 1.7% to $388.2M, loans rose 2.0% and deposits fell 3.2%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 22.7% of total loans, ahead of commercial and industrial loans at 18.3%. The FDIC Summary of Deposits lists 4 offices for it, in 4 cities in OK; its Wewoka office books 54% of its branch deposits. Judged on its Q2 2026 call report, Security State Bank of Oklahoma meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 210 S Mekusukey Ave, Wewoka, OK 74884
- County
- Seminole
- 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
- December 5, 1911
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 51
- Domestic deposits
- $287.5M
- Allowance for credit losses
- $2.9M
- Net charge-offs (YTD)
- $567K
- Average total assets
- $388.3M
- Average total loans
- $197.8M
- Average interest-bearing deposits
- $178.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 8980
- Fed RSSD
- 52951
- Website
- www.ssbok.com →
- Parent Holding Company
- SECURITY BANCSHARES CORPORATION (RSSD 4414838)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Security State Bank of Oklahoma's total assets ranged from $349.4M (Q2 2024) to $394.8M (Q4 2025), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$388.2M total assets against $386.9M; $341.7M total liabilities against $347.9M.
$204.8M net loans and leases against $196.1M; $287.5M total deposits against $295.2M.
$156.4M securities against $168.1M; $14.4M cash and balances due against $8.5M.
$6.1M total interest income against $5.9M; $1.5M total interest expense against $1.6M.
$4.6M net interest income against $4.3M.
$390K total noninterest income against $401K; $2.0M total noninterest expense against $1.9M.
$224K provision for credit losses against $254K.
$2.4M net income against $2.3M.
2.49% return on assets against 2.36%; 5.02% net interest margin against 4.69%.
19.59% CET1 capital ratio against 18.12%; 12.41% tier 1 leverage ratio against 11.56%.
Inside the full Security State Bank of Oklahoma terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeSecurity State Bank of Oklahoma rankings
Its closest position to the top of a national ranking is 156 of 3,606, for efficiency ratio; its furthest is 1,827 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.69% (Q1 2025) to 2.67% (Q4 2025) and its net interest margin ran from 4.53% (Q3 2024) to 5.02% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 19.59% | 2.49% | 0.69% | 3.13% | 5.02% |
| Q1 2026 | 17.97% | 2.34% | 1.18% | 5.62% | 4.97% |
| Q4 2025 | 18.17% | 2.67% | 1.31% | 5.77% | 4.96% |
| Q3 2025 | 19.13% | 2.64% | 1.62% | 6.98% | 4.69% |
| Q2 2025 | 18.12% | 2.36% | 2.06% | 9.87% | 4.69% |
| Q1 2025 | 17.98% | 1.69% | 1.96% | 9.47% | 4.60% |
| Q4 2024 | 16.32% | 2.07% | 1.82% | 9.35% | 4.59% |
| Q3 2024 | 22.59% | 2.14% | 1.94% | 6.60% | 4.53% |
Swipe the table sideways to see every column.
Branch Network
View all 4 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 of Oklahoma (main office) | Wewoka , OK | 74884 | $156.6M |
| Holdenville Brance | Holdenville , OK | 74848 | $71.5M |
| Seminole Branch | Seminole , OK | 74868 | $37.0M |
| Maud Branch | Maud , OK | 74854 | $22.3M |
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 |
|---|---|---|---|
| June 14, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 14, 2013 | Structure Change | Acquired The First State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in OK, rank 81 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 113 applications, 84 loans originated, $7.1M originated, across 1 states
- Period: Calendar year 2019. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $250K approved, $250K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2015 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 of Oklahoma
What are Security State Bank of Oklahoma's total assets?
As of the Q2 2026 filing, Security State Bank of Oklahoma reported total assets of $388.2 million in its FFIEC call report.
Where is Security State Bank of Oklahoma headquartered?
It is headquartered in Wewoka, OK, United States.
When was Security State Bank of Oklahoma founded?
It was established in 1911, per the FDIC institution directory.
Is Security State Bank of Oklahoma FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #8980). 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 of Oklahoma?
Security State Bank of Oklahoma's primary federal regulator is the FDIC.
What is Security State Bank of Oklahoma's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 19.59% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Security State Bank of Oklahoma operate?
It operates 4 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 of Oklahoma's Texas Ratio?
Its Texas Ratio is 3.13% 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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