TellerScore

Security Bank (FDIC certificate #4178) is based in Tulsa, Oklahoma. Its Q2 2026 call report shows $939.0M in total assets and $827.5M in deposits and 1 office.

Based on its Q2 2026 filing, Security Bank scores 81/100, which we describe as strong. That is higher than 80% of 2,650 banks with $100 million – $1 billion. Among 170 banks headquartered in Oklahoma, it ranks 37th. Its strongest component is earnings (100/100; 2.18%), and its lowest is funding & liquidity (50/100; 92% loans-to-deposits, 32% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion68/100
Tier 1 leverage ratio: 11.84%
Loan quality95/100
Noncurrent loans ÷ total loans: 0.15%
Earnings100/100
Return on assets (annualized): 2.18%
Funding & liquidity50/100
Loans ÷ deposits and uninsured-deposit share: 91.8% · 31.8% uninsured
Problem-loan coverage98/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.99%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 5 points (76 → 81), mostly because the loan quality component improved by 12 points.

TellerScore
727781Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202473
Q3 202481
Q4 202478
Q1 202572
Q2 202576
Q3 202576
Q4 202579
Q1 202681
Q2 202681
Tier 1 leverage ratio
5.00%8.50%12.01%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.23%
Q3 202411.37%
Q4 202411.12%
Q1 202511.55%
Q2 202511.42%
Q3 202511.33%
Q4 202511.36%
Q1 202612.01%
Q2 202611.84%
Noncurrent loans
0.03%0.48%0.94%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.71%
Q3 20240.03%
Q4 20240.15%
Q1 20250.94%
Q2 20250.52%
Q3 20250.56%
Q4 20250.29%
Q1 20260.25%
Q2 20260.15%
Return on assets
2.08%2.21%2.34%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.08%
Q3 20242.24%
Q4 20242.20%
Q1 20252.33%
Q2 20252.34%
Q3 20252.29%
Q4 20252.31%
Q1 20262.16%
Q2 20262.18%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202681$939.0M11.84%0.15%2.18%91.8%
Q1 202681$915.7M12.01%0.25%2.16%93.3%
Q4 202579$898.4M11.36%0.29%2.31%92.8%
Q3 202576$918.9M11.33%0.56%2.29%90.7%
Q2 202576$903.2M11.42%0.52%2.34%94.7%
Q1 202572$892.5M11.55%0.94%2.33%94.9%
Q4 202478$874.6M11.12%0.15%2.20%94.9%
Q3 202481$856.4M11.37%0.03%2.24%95.4%
Q2 202473$840.4M11.23%0.71%2.08%97.0%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.84%
63rd
Total risk-based capital14.60%
66th
Problem loans0.15%
69th
Net charge-offs0.02%
38th
Return on assets2.18%
91st
Net interest margin4.24%
67th
Efficiency ratio43.0%
93rd
Loans to deposits91.8%
23rd
Uninsured deposits31.8%
23rd
Loan-loss reserves1.97%
93rd
Texas ratio1.0%
69th

Similar-size banks in Oklahoma

InstitutionScoreAssetsCapitalProblem loansCompare
First National Bank of OklahomaBank Oklahoma City, OK66 out of 100, Moderate$949.9M10.5%1.39%vs
First Bank & Trust Co.Bank Duncan, OK61 out of 100, Moderate$952.1M14.9%5.22%vs
Valliance BankBank Oklahoma City, OK47 out of 100, Below average$923.3M9.3%1.58%vs
F&M BankBank Edmond, OK71 out of 100, Strong$915.3M10.0%0.36%vs
SpiritBankBank Tulsa, OK63 out of 100, Moderate$912.8M9.3%0.86%vs
First Liberty BankBank Oklahoma City, OK76 out of 100, Strong$885.0M11.8%0.07%vs

Deposit insurance

Is my money safe at Security Bank?

Yes. Security Bank is an FDIC-insured institution (FDIC certificate #4178). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 31.8% of deposits ($263.1M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.84%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.60% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

Security Bank lists 1 office in 1 city. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Security Bank reported 73 home-loan applications under HMDA (LEI 5493007KC6RR4UC6S050): 62 originated ($20,910,000 total), 1 denied, and 3 withdrawn or closed by the applicant. Its denial rate on decided applications was 1.4%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Security Bank
Former names
The Pawnee National Bank; Security Bank, National Association
Type
State-chartered bank (Fed member)
FDIC certificate #
4178
RSSD ID
516855
Primary regulator
FED
Holding company
Pawnee Holding Co Inc
Established
January 1, 1902
Headquarters
10727 E 51st St, Tulsa, OK 74146
Employees
72

Quick answers

Security Bank: common questions

Is Security Bank FDIC insured?

Yes. Security Bank is an FDIC-insured institution (FDIC certificate #4178). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Security Bank's TellerScore?

81 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Security Bank ever failed?

FDIC records show The Pawnee National Bank failed on September 12, 1990.

How many branches does Security Bank have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Tulsa

InstitutionScoreAssetsCapitalProblem loansCompare
First Bank of OwassoBank Owasso, OK93 out of 100, Very strong$639.3M15.7%0.01%vs
First BankBank Erick, OK93 out of 100, Very strong$118.0M14.2%0.27%vs
Saint Francis Employees Federal Credit UnionCredit union Tulsa, OK92 out of 100, Very strong$44.7M15.9%0.20%vs
The First National Bank and Trust Company of Broken ArrowBank Broken Arrow, OK89 out of 100, Very strong$269.5M16.4%0.14%vs
International Bank of CommerceBank Oklahoma City, OK88 out of 100, Very strong$1.6B15.5%0.66%vs
United Members Federal Credit UnionCredit union Tulsa, OK87 out of 100, Very strong$10.4M18.6%0.15%vs