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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Cheyenne, OK · FDIC certificate #421
SECURITY STATE BANK is an FDIC-insured institution based in Cheyenne, OK (FDIC certificate #421). In its Q3 2026 Call Report it reported total assets of $283M, total deposits of $254M and net loans of $177M. Its primary federal regulator is FDIC.
Plain-language readout
SECURITY STATE BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $288M in Q1 2026 and were lowest at $280M in Q2 2026.
Total deposits were highest at $257M in Q1 2026 and lowest at $248M in Q2 2026.
Over the whole period total assets fell 1.5%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $283M | $254M | $177M | 2.25% | 22.47% | 4.57% |
| Q2 2026 | $280M | $248M | $171M | 2.14% | 21.01% | 4.51% |
| Q1 2026 | $288M | $257M | $178M | 1.85% | 18.41% | 4.42% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $8.2M | $8.2M | -$37K | -0.5% |
| Federal funds sold | $4.7M | $4.7M | +$2K | +0.0% |
| 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) | $81.4M | $82.7M | -$1.4M | -1.7% |
| 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) | $170.8M | $177.5M | -$6.7M | -3.8% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $1.0M | $1.0M | $0K | 0.0% |
| 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) | $2.5M | $2.5M | $0K | 0.0% |
| All other assets | $10.9M | $10.9M | +$77K | +0.7% |
| Total assets | $279.5M | $287.6M | -$8.1M | -2.8% |
| Liabilities | ||||
| Total deposits | $247.9M | $256.6M | -$8.8M | -3.4% |
| 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 | $2.4M | $2.3M | +$51K | +2.2% |
| Total liabilities | $250.2M | $259.0M | -$8.7M | -3.4% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $1.0M | $1.0M | $0K | 0.0% |
| Surplus | $10.5M | $10.5M | $0K | 0.0% |
| Retained earnings | $21.1M | $20.0M | +$1.0M | +5.2% |
| Accumulated other comprehensive income | -$3.4M | -$3.0M | -$375K | -12.5% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $29.3M | $28.6M | +$673K | +2.4% |
| Credit and capital | ||||
| Gross nonperforming assets | $1.2M | $1.4M | -$192K | -14.2% |
| Adjusted nonperforming assets | $1.2M | $1.4M | -$192K | -14.2% |
| Tangible equity plus allowance | $30.1M | $29.3M | +$740K | +2.5% |
| Texas ratio (gross) | 3.85% | 4.60% | -0.75 pts | See points |
| Texas ratio (adjusted) | 3.85% | 4.60% | -0.75 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 3.85% | 4.60% | -0.75 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) | 10.73% | 10.43% | +0.30 pts | See points |
| Construction and land loans to total capital | 4.39% | 3.14% | +1.26 pts | See points |
| Commercial real estate to total capital | 62.77% | 64.10% | -1.33 pts | See points |
| Dividend payout, year to date | 43.78% | 50.50% | -6.72 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -11.17% | -10.29% | -0.89 pts | See points |
| Liquidity | ||||
| Core deposits | $189.0M | $190.1M | -$1.0M | -0.5% |
| Non-core funding | $58.8M | $66.6M | -$7.8M | -11.7% |
| Loans to core deposits | 92.10% | 95.10% | -3.00 pts | See points |
| Loans to deposits | 70.25% | 70.44% | -0.19 pts | See points |
| Brokered deposits share of deposits | 8.39% | 10.99% | -2.60 pts | See points |
| Pledged securities share of securities | 75.02% | 75.89% | -0.87 pts | See points |
| Loans pledged, share of loans | 0.00% | 0.00% | 0.00 pts | See points |
| Volatile liabilities | $58.8M | $66.6M | -$7.8M | -11.7% |
| Earnings | ||||
| Earnings before provision, year to date | $3.5M | $1.6M | +$1.9M | +114.0% |
| Earnings before provision, single quarter | $1.9M | $1.6M | +$229K | +14.0% |
| Provision for credit losses, year to date | $240K | $120K | +$120K | +100.0% |
| Yield and cost | ||||
| Yield on loans and leases | 7.37% | 6.87% | +0.51 pts | See points |
| Yield on interest-bearing balances due from banks | 2.69% | 2.99% | -0.30 pts | See points |
| Total interest income to average assets | 5.56% | 5.51% | +0.05 pts | See points |
| Cost of interest-bearing transaction accounts | 0.24% | 0.23% | +0.01 pts | See points |
| Cost of savings and money market deposits | 0.40% | 0.42% | -0.03 pts | See points |
| Cost of time deposits | 3.47% | 3.51% | -0.04 pts | See points |
| Total interest expense to average assets | 1.31% | 1.39% | -0.07 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 | $283M | $254M | $177M | 2.25% | 22.47% | 4.57% |
| 2026-06-30 | $280M | $248M | $171M | 2.14% | 21.01% | 4.51% |
| 2026-03-31 | $288M | $257M | $178M | 1.85% | 18.41% | 4.42% |
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 | $239.4M | 0.17% | 95 | 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.