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Q2 2026 · read from the 30 June 2026 Call Report · United States · Southwest · Oklahoma, the state note

Security Bank

Tulsa, Oklahoma · $939M in assets · beside the 11 other Oklahoma banks between $300M and $1B

The filing

43.0%
Efficiency
1st of 12
11.6%
Equity / assets
2nd of 12
+0.3%
Loans, year over year
11th of 12, largest first

Security Bank is the fourth largest of the 12 Oklahoma banks nearest its size between $300M and $1B, with $939M in assets at 30 June 2026. Loans are 93.6% of deposits, 9th of 12 against a median of 89.9%, and equity is 11.6% of assets, 2nd of 12. Loans grew +0.3% in the year, 11th of 12, and deposits grew 3.5%; the cohort's median loan growth is +5.3%.

Noncurrent loans are 0.15% of the book, 4th of 12 against a median of 0.57%; 0.48% is 30 to 89 days past due, and the allowance covers them 13.3 times. Commercial real estate is 37.1% of loans, 6th of 12 against a median of 38.3%, and 240% of capital, below the 300% screen, with construction at 58% against the 100% screen.

Return on assets is 2.17%, 3rd of 12 against a median of 1.34%, on an efficiency ratio of 43.0%, the lowest in the cohort. Five years ago it was 1.86%. The question is which of these lines moves first over the next four quarters, and against which peer.

The efficiency ratioOK banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 58.4% SB Security Bank 43.0% FN First National Bank of Oklahoma 45.4% GB Grand Bank 53.1% FB First Bank & Trust Co. 55.5% FM F & M Bank 56.1% QC Quail Creek Bank 56.8% PB Prism Bank 60.0% AN American Nation Bank 62.8% S Spiritbank 64.2% FL First Liberty Bank 65.3% VB Valliance Bank 69.2% VB Vision Bank 69.2%
Loans, year over yearOK banks $300M to $1B · 30 June 2026 · no better direction, largest first
median +5.3% PB Prism Bank +36.9% VB Valliance Bank +24.2% FM F & M Bank +16.1% GB Grand Bank +10.3% AN American Nation Bank +6.4% FN First National Bank of Oklahoma +6.4% FL First Liberty Bank +4.3% QC Quail Creek Bank +2.3% S Spiritbank +1.8% VB Vision Bank +1.5% SB Security Bank +0.3% FB First Bank & Trust Co. -6.5%

SBA 7(a), FY2008 to FY2026

Security Bank is the 5th largest 7(a) lender into Oklahoma of 358, with $130M across 261 loans, 3.0% of everything approved in the state (Bancfirst leads with $793M). 13 of its 18 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Oklahoma, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Tulsa, OK$106M3rd of 1599.5%-7.2 pts
Creek, OK$10M2nd of 479.7%+0.3 pts
Rogers, OK$3M11th of 473.4%thin
Wagoner, OK$3M3rd of 406.6%-7.2 pts
Muskogee, OK$2M15th of 362.8%quiet FY2016
Oklahoma, OK$2M79th of 1720.2%quiet FY2022
Pawnee, OK$2M5th of 188.3%quiet FY2021
Mayes, OK$1M12th of 252.5%quiet FY2022
Johnson, KS$910K111th of 1850.1%quiet FY2022
Dallas, TX$700K250th of 3140.0%quiet FY2013
Greene, MO$693K52nd of 800.1%quiet FY2018
Washington, OK$649K12th of 271.9%-1.6 pts
Tarrant, TX$595K233rd of 2810.0%quiet FY2022
5 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Manufacturing38$31M23.1%0.08%217th of 2,246
Accommodation & food services70$27M20.2%0.04%330th of 2,596
Construction28$19M14.1%0.06%246th of 2,063
Transportation & warehousing12$13M9.7%0.10%172nd of 1,563
Health care & social assistance28$13M9.4%0.03%337th of 2,172
7(a) lenders into Oklahoma, share of approvals since FY2008358 lenders on record; the ten largest and Security Bank
B Bancfirst 18.4% $793M · 2,102 loans FO First Oklahoma Bank 5.8% $251M · 291 loans LO Live Oak Banking Company 5.8% $250M · 177 loans AB Arvest Bank 5.0% $213M · 780 loans SB Security Bank 3.0% $130M · 261 loans FU First United Bank and Trust Compa… 2.6% $114M · 174 loans FP First Pryority Bank 2.0% $84M · 184 loans RB Regent Bank 1.7% $74M · 162 loans PB Peoples Bank and Trust Company 1.7% $73M · 59 loans GP Great Plains National Bank 1.6% $67M · 204 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 4 CBLR filers; owner-occupied excluded; bold marks a screen met
Security BankRankCohort median
Total CRE against capital, the 300% screen240%6th of 12264%
Construction against capital, the 100% screen58%3rd of 1274%
Construction and land development, share of loans8.9%3rd of 1211.0%
Non-owner-occupied nonfarm nonresidential, share of loans27.0%7th of 1226.9%
Total CRE, the guidance definition, share of loans37.1%6th of 1238.3%
CRE growth over 36 months, the third prong+15.8%7th of 12+13.0%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Vision Bank$1000M1.2%69.2%2.59%0.02%1.8%84.4%7.3%
First Bank & Trust Co.$952M2.2%55.5%5.22%0.71%1.3%88.5%15.3%
First National Bank of Oklahoma$950M2.3%45.4%1.39%0.07%1.3%93.1%10.1%
Security Bank$939M2.2%43.0%0.15%0.02%2.0%93.6%11.6%
Valliance Bank$923M0.6%69.2%1.58%-0.09%1.1%106.5%8.6%
F & M Bank$915M1.2%56.1%0.36%1.82%1.1%82.0%10.5%
Spiritbank$913M0.9%64.2%0.86%0.29%1.3%74.7%9.2%
First Liberty Bank$885M1.1%65.3%0.07%0.18%1.5%94.3%11.1%
Quail Creek Bank$831M1.7%56.8%0.65%0.08%1.2%81.9%8.7%
Prism Bank$721M0.9%60.0%0.49%-0.02%1.1%96.4%9.4%
Grand Bank$713M1.5%53.1%0.00%0.00%1.6%91.2%9.3%
American Nation Bank$691M1.5%62.8%0.06%0.00%1.5%84.0%9.5%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Security BankCohort median
20212026Change20212026Change
Loans$552M$775M+40%$466M$680M+46%
Deposits$707M$828M+17%$558M$784M+40%
NPA / loans0.81%0.15%-0.66 pts0.63%0.57%-0.06 pts
Efficiency36.9%43.0%+6.2 pts61.0%58.4%-2.6 pts
ROA1.86%2.17%+0.31 pts1.51%1.34%-0.16 pts

This read was prepared for Security Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Security Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort OK banks $300M to $1B
Institution www.sbtulsa.bank

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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