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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Hugo, OK · FDIC certificate #432
SECURITY FIRST NB OF HUGO is an FDIC-insured institution based in Hugo, OK (FDIC certificate #432). In its Q3 2026 Call Report it reported total assets of $140M, total deposits of $124M and net loans of $100M. Its primary federal regulator is OCC.
Plain-language readout
SECURITY FIRST NB OF HUGO has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $140M in Q3 2026 and were lowest at $138M in Q2 2026.
Total deposits were highest at $125M in Q1 2026 and lowest at $122M in Q2 2026.
Over the whole period total assets rose 0.0%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $140M | $124M | $100M | 2.04% | 20.06% | 5.72% |
| Q2 2026 | $138M | $122M | $100M | 1.91% | 19.24% | 5.69% |
| Q1 2026 | $140M | $125M | $101M | 2.10% | 21.75% | 5.78% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $17.3M | $19.2M | -$1.9M | -9.7% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $12.8M | $11.8M | +$928K | +7.8% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $99.6M | $100.8M | -$1.2M | -1.2% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $5.9M | $5.9M | +$24K | +0.4% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $2.1M | $2.3M | -$215K | -9.5% |
| Total assets | $137.7M | $140.0M | -$2.3M | -1.7% |
| Liabilities | ||||
| Total deposits | $121.9M | $125.0M | -$3.2M | -2.5% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $1.4M | $1.2M | +$258K | +21.9% |
| Total liabilities | $123.3M | $126.2M | -$2.9M | -2.3% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $450K | $450K | $0K | 0.0% |
| Surplus | $3.0M | $3.0M | $0K | 0.0% |
| Retained earnings | $11.0M | $10.5M | +$594K | +5.7% |
| Accumulated other comprehensive income | -$28K | -$12K | -$16K | -133.3% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $14.4M | $13.8M | +$578K | +4.2% |
| Credit and capital | ||||
| Gross nonperforming assets | $4.2M | $3.2M | +$1.0M | +31.6% |
| Adjusted nonperforming assets | $4.2M | $3.2M | +$1.0M | +31.6% |
| Tangible equity plus allowance | $15.7M | $15.1M | +$565K | +3.7% |
| Texas ratio (gross) | 26.66% | 21.01% | +5.65 pts | See points |
| Texas ratio (adjusted) | 26.66% | 21.01% | +5.65 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 26.66% | 21.01% | +5.65 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 10.38% | 10.00% | +0.38 pts | See points |
| Construction and land loans to total capital | 102.22% | 106.50% | -4.29 pts | See points |
| Commercial real estate to total capital | 202.62% | 201.77% | +0.85 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -0.26% | -0.12% | -0.14 pts | See points |
| Liquidity | ||||
| Core deposits | $99.2M | $100.1M | -$900K | -0.9% |
| Non-core funding | $22.7M | $24.9M | -$2.3M | -9.1% |
| Loans to core deposits | 101.75% | 102.04% | -0.29 pts | See points |
| Loans to deposits | 82.83% | 81.70% | +1.13 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 61.87% | 66.95% | -5.08 pts | See points |
| Loans pledged, share of loans | 60.37% | 57.51% | +2.86 pts | See points |
| Volatile liabilities | $22.7M | $24.9M | -$2.3M | -9.1% |
| Earnings | ||||
| Earnings before provision, year to date | $1.7M | $961K | +$779K | +81.1% |
| Earnings before provision, single quarter | $779K | $961K | -$182K | -18.9% |
| Provision for credit losses, year to date | $0K | $0K | $0K | n/a |
| Yield and cost | ||||
| Yield on loans and leases | 7.77% | 8.10% | -0.33 pts | See points |
| Yield on interest-bearing balances due from banks | 3.96% | 3.63% | +0.33 pts | See points |
| Total interest income to average assets | 6.38% | 6.65% | -0.27 pts | See points |
| Cost of interest-bearing transaction accounts | 0.49% | 0.50% | -0.01 pts | See points |
| Cost of savings and money market deposits | 0.87% | 0.82% | +0.05 pts | See points |
| Cost of time deposits | 3.84% | 4.01% | -0.17 pts | See points |
| Total interest expense to average assets | 1.34% | 1.37% | -0.02 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $140M | $124M | $100M | 2.04% | 20.06% | 5.72% |
| 2026-06-30 | $138M | $122M | $100M | 1.91% | 19.24% | 5.69% |
| 2026-03-31 | $140M | $125M | $101M | 2.10% | 21.75% | 5.78% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| OK | $120.9M | 0.09% | 130 | Continuing · +0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.