Security State Bank of Oklahoma: 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): 18.58 percentage points higher than in Q1 2026, at 56.29%. Within Oklahoma, Security State Bank of Oklahoma is 103rd of 169 on loan-to-deposit ratio, 72.27% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Security State Bank of Oklahoma sits 8.57 points lower, at 72.27% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $207.7M |
| Net loans and leases | $204.8M |
| Loans held for sale | $0 |
| Loans to total assets | 53.51% |
| Loan-to-deposit ratio | 72.27% |
| Net loans to equity capital | 4.40% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 11.44% |
| Multifamily (5+ residential) | 0.05% |
| Commercial and industrial | 18.26% |
| Consumer | 17.66% |
| Credit cards | 0.00% |
| Farm | 15.08% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.64% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 56.29% |
| Construction concentration (Tier 1 capital + allowance) | 17.80% |
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 | 8.38% |
| Interest income on loans | $4.1M |
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 | $207.6M | $299.9M | 7.08% | 23.85% | 16.55% |
| Q4 2023 | $210.3M | $306.0M | 7.33% | 22.98% | 17.36% |
| Q1 2024 | $198.6M | $293.7M | 7.98% | 23.31% | 17.76% |
| Q2 2024 | $194.9M | $288.1M | 8.35% | 22.43% | 16.98% |
| Q3 2024 | $190.3M | $294.4M | 8.41% | 22.17% | 17.60% |
| Q4 2024 | $197.4M | $315.0M | 8.75% | 21.59% | 16.23% |
| Q1 2025 | $194.7M | $312.0M | 13.30% | 21.26% | 16.39% |
| Q2 2025 | $199.5M | $295.2M | 6.58% | 20.75% | 15.90% |
| Q3 2025 | $200.9M | $278.4M | 7.92% | 23.56% | 16.30% |
| Q4 2025 | $195.5M | $319.9M | 7.78% | 21.27% | 15.57% |
| Q1 2026 | $203.8M | $296.9M | 7.00% | 20.01% | 18.65% |
| Q2 2026 | $207.7M | $287.5M | 11.44% | 18.26% | 17.66% |
Security State Bank of Oklahoma loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Security State Bank of Oklahoma, 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 of Oklahoma profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8980) · FFIEC NIC profile (RSSD 52951)