Security Bank and Trust Company: how it compares with its peers
Against 63 OK banks with half to twice its assets, Security Bank and Trust Company's strongest measure in Q2 2026 is net interest margin (4.64% vs. a 4.26% peer median). Its weakest relative measure is efficiency ratio (61.42% vs. 59.27%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.53% | 1.52% | Middle third Ahead of 51% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.64% | 4.26% | Top third Ahead of 67% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 61.42% | 59.27% | Middle third Ahead of 44% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.2M | $6.1M | Middle third Ahead of 52% of peers |
| Loans to deposits Net loans and leases over total deposits. | 93.11% | 74.23% | Context |
What it means for lending operations
Its efficiency ratio of 61.42% is above the 59.27% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Carson Community Bank Stilwell, OK · $167M
- The Peoples National Bank of Checotah Checotah, OK · $172M
- The First State Bank Boise City, OK · $160M
- The Exchange Bank Skiatook, OK · $158M
- All Capital Bank Locust Grove, OK · $176M
- Bank of Hydro Hydro, OK · $181M
Questions about Security Bank and Trust Company
How big is Security Bank and Trust Company?
Security Bank and Trust Company, established in 1922, is headquartered in Miami, OK. It reported $167M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is Security Bank and Trust Company's return on assets?
1.53% annualized in Q2 2026, against a 1.52% median for 63 OK banks with half to twice its assets, ahead of 51% of them.
What is Security Bank and Trust Company's efficiency ratio?
61.42% in Q2 2026: it spent about 61 cents in noninterest expense for each dollar of revenue. The peer median is 59.27%, and lower is better.
Is Security Bank and Trust Company growing its loans?
Net loans grew 11.5% over the year to Q2 2026, while deposits grew 10.2%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are OK banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Oklahoma bank ranked.