Security Bank and Trust Company (FDIC certificate #9881) is based in Miami, Oklahoma. Its Q2 2026 call report shows $166.9M in total assets and $145.4M in deposits and 4 offices.
Based on its Q2 2026 filing, Security Bank and Trust Company scores 56/100, which we describe as moderate. That is higher than only 13% of 2,650 banks with $100 million – $1 billion. Among 170 banks headquartered in Oklahoma, it ranks 135th. Its strongest component is earnings (81/100; 1.53%), and its lowest is capital cushion (30/100; 8.04%).
TellerScore · Q2 2026
Scorecard
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 fell 8 points (64 → 56), mostly because the loan quality component weakened by 38 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 71 |
| Q3 2024 | 70 |
| Q4 2024 | 68 |
| Q1 2025 | 66 |
| Q2 2025 | 64 |
| Q3 2025 | 57 |
| Q4 2025 | 59 |
| Q1 2026 | 56 |
| Q2 2026 | 56 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.86% |
| Q3 2024 | 8.57% |
| Q4 2024 | 8.23% |
| Q1 2025 | 8.62% |
| Q2 2025 | 8.32% |
| Q3 2025 | 8.32% |
| Q4 2025 | 8.31% |
| Q1 2026 | 8.63% |
| Q2 2026 | 8.04% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.19% |
| Q3 2024 | 0.18% |
| Q4 2024 | 0.04% |
| Q1 2025 | 0.14% |
| Q2 2025 | 0.26% |
| Q3 2025 | 1.07% |
| Q4 2025 | 0.89% |
| Q1 2026 | 1.43% |
| Q2 2026 | 1.41% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 2.41% |
| Q3 2024 | 1.90% |
| Q4 2024 | 1.60% |
| Q1 2025 | 1.31% |
| Q2 2025 | 1.34% |
| Q3 2025 | 1.26% |
| Q4 2025 | 1.30% |
| Q1 2026 | 1.53% |
| Q2 2026 | 1.53% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 56 | $166.9M | 8.04% | 1.41% | 1.53% | 93.1% |
| Q1 2026 | 56 | $155.3M | 8.63% | 1.43% | 1.53% | 93.2% |
| Q4 2025 | 59 | $152.2M | 8.31% | 0.89% | 1.30% | 92.0% |
| Q3 2025 | 57 | $151.7M | 8.32% | 1.07% | 1.26% | 86.2% |
| Q2 2025 | 64 | $151.0M | 8.32% | 0.26% | 1.34% | 92.0% |
| Q1 2025 | 66 | $148.0M | 8.62% | 0.14% | 1.31% | 88.3% |
| Q4 2024 | 68 | $147.6M | 8.23% | 0.04% | 1.60% | 88.8% |
| Q3 2024 | 70 | $150.5M | 8.57% | 0.18% | 1.90% | 89.6% |
| Q2 2024 | 71 | $141.6M | 8.86% | 0.19% | 2.41% | 88.1% |
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).
Similar-size banks in Oklahoma
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Carson Community BankBank Stilwell, OK | 71 out of 100, Strong | $166.7M | 12.6% | 1.43% | vs |
| The Peoples National Bank of ChecotahBank Checotah, OK | 91 out of 100, Very strong | $171.8M | 16.1% | 0.53% | vs |
| The First State BankBank Boise City, OK | 58 out of 100, Moderate | $160.0M | 9.9% | 2.13% | vs |
| The Exchange BankBank Skiatook, OK | 82 out of 100, Strong | $158.4M | 12.1% | 0.00% | vs |
| All Capital BankBank Locust Grove, OK | 73 out of 100, Strong | $176.1M | 9.5% | 0.30% | vs |
| Bank of HydroBank Hydro, OK | 76 out of 100, Strong | $180.8M | 11.6% | 0.64% | vs |
Deposit insurance
Is my money safe at Security Bank and Trust Company?
Yes. Security Bank and Trust Company is an FDIC-insured institution (FDIC certificate #9881). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 10.5% of deposits ($15.3M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 8.04%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 10.90% (benchmark: 10%).
4 locations
Branches
Security Bank and Trust Company lists 4 offices in 3 cities. Most locations:
- Miami, OK (2)
- Afton, OK (1)
- Commerce, OK (1)
Identity & history
Profile
- Legal name
- Security Bank and Trust Company
- Type
- State-chartered bank
- FDIC certificate #
- 9881
- RSSD ID
- 19356
- Primary regulator
- FDIC
- Holding company
- SSB Holdings Inc
- Established
- December 1, 1922
- Headquarters
- 2 S Main St, Miami, OK 74354
- Website
- www.sbtmiami.com
- Employees
- 27
Quick answers
Security Bank and Trust Company: common questions
Is Security Bank and Trust Company FDIC insured?
Yes. Security Bank and Trust Company is an FDIC-insured institution (FDIC certificate #9881). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Security Bank and Trust Company's TellerScore?
56 out of 100 (Moderate), 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 and Trust Company ever failed?
There is no failure record for FDIC certificate #9881 in the FDIC failed bank list.
How many branches does Security Bank and Trust Company have?
4 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Miami
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Joplin Metro Credit UnionCredit union Joplin, MO | 89 out of 100, Very strong | $57.8M | 17.7% | 0.78% | vs |
| International Bank of CommerceBank Oklahoma City, OK | 88 out of 100, Very strong | $1.6B | 15.5% | 0.66% | vs |
| The Baxter State BankBank Baxter Springs, KS | 84 out of 100, Strong | $25.2M | 19.7% | 1.11% | vs |
| Exchange State BankBank Saint Paul, KS | 84 out of 100, Strong | $105.0M | 11.6% | 0.00% | vs |
| The City National Bank and Trust Company of Lawton, OklahomaBank Lawton, OK | 83 out of 100, Strong | $446.2M | 13.9% | 0.45% | vs |
| The First National Bank and Trust Company of MiamiBank Miami, OK | 82 out of 100, Strong | $191.4M | 13.4% | 0.60% | vs |