Security State Bank (FDIC certificate #421) is based in Cheyenne, Oklahoma. Its Q2 2026 call report shows $279.5M in total assets and $247.9M in deposits and 3 offices.
Security State Bank has a TellerScore of 77 out of 100 (strong) based on Q2 2026 data — higher than 68% of its 2,650 banks with $100 million – $1 billion. Among 170 banks headquartered in Oklahoma, it ranks 56th. Earnings contributes the most (100/100, 2.14%); capital cushion contributes the least (57/100, 10.73%).
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 rose 6 points (71 → 77), mostly because the loan quality component improved by 19 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 75 |
| Q3 2024 | 80 |
| Q4 2024 | 70 |
| Q1 2025 | 74 |
| Q2 2025 | 71 |
| Q3 2025 | 73 |
| Q4 2025 | 73 |
| Q1 2026 | 74 |
| Q2 2026 | 77 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.84% |
| Q3 2024 | 11.09% |
| Q4 2024 | 10.77% |
| Q1 2025 | 10.68% |
| Q2 2025 | 10.83% |
| Q3 2025 | 10.78% |
| Q4 2025 | 10.53% |
| Q1 2026 | 10.43% |
| Q2 2026 | 10.73% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.80% |
| Q3 2024 | 0.47% |
| Q4 2024 | 1.28% |
| Q1 2025 | 1.08% |
| Q2 2025 | 1.22% |
| Q3 2025 | 0.97% |
| Q4 2025 | 0.68% |
| Q1 2026 | 0.75% |
| Q2 2026 | 0.67% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.89% |
| Q3 2024 | 2.02% |
| Q4 2024 | 1.75% |
| Q1 2025 | 2.04% |
| Q2 2025 | 1.88% |
| Q3 2025 | 1.72% |
| Q4 2025 | 1.64% |
| Q1 2026 | 1.85% |
| Q2 2026 | 2.14% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 77 | $279.5M | 10.73% | 0.67% | 2.14% | 68.9% |
| Q1 2026 | 74 | $287.6M | 10.43% | 0.75% | 1.85% | 69.2% |
| Q4 2025 | 73 | $276.8M | 10.53% | 0.68% | 1.64% | 69.2% |
| Q3 2025 | 73 | $270.2M | 10.78% | 0.97% | 1.72% | 65.1% |
| Q2 2025 | 71 | $267.7M | 10.83% | 1.22% | 1.88% | 64.0% |
| Q1 2025 | 74 | $267.8M | 10.68% | 1.08% | 2.04% | 64.3% |
| Q4 2024 | 70 | $262.2M | 10.77% | 1.28% | 1.75% | 65.5% |
| Q3 2024 | 80 | $260.5M | 11.09% | 0.47% | 2.02% | 70.6% |
| Q2 2024 | 75 | $260.5M | 10.84% | 0.80% | 1.89% | 69.0% |
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).
Similar-size banks in Oklahoma
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Old Glory BankBank Elmore City, OK | 21 out of 100, Low | $276.8M | 2.7% | 6.58% | vs |
| The First National Bank and Trust Company of Broken ArrowBank Broken Arrow, OK | 89 out of 100, Very strong | $269.5M | 16.4% | 0.14% | vs |
| The First National Bank & TrustBank Elk City, OK | 88 out of 100, Very strong | $294.0M | 13.1% | 0.56% | vs |
| McClain BankBank Purcell, OK | 76 out of 100, Strong | $294.0M | 9.5% | 0.28% | vs |
| YnbBank Yukon, OK | 60 out of 100, Moderate | $261.4M | 8.5% | 0.39% | vs |
| Valor BankBank Edmond, OK | 71 out of 100, Strong | $302.6M | 8.7% | 0.32% | vs |
Deposit insurance
Is my money safe at Security State Bank?
Yes. Security State Bank is an FDIC-insured institution (FDIC certificate #421). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 30.2% of deposits ($75.0M) 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 10.73%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
3 locations
Branches
Security State Bank lists 3 offices in 3 cities. Most locations:
- Cheyenne, OK (1)
- Hammon, OK (1)
- Laverne, OK (1)
Identity & history
Profile
- Legal name
- Security State Bank
- Former names
- First State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 421
- RSSD ID
- 58551
- Primary regulator
- FDIC
- Holding company
- Cheyenne Banking Corp
- Established
- June 22, 1912
- Headquarters
- 402 E Broadway Ave, Cheyenne, OK 73628
- Website
- www.ssbcheyenne.com
- Employees
- 39
Quick answers
Security State Bank: common questions
Is Security State Bank FDIC insured?
Yes. Security State Bank is an FDIC-insured institution (FDIC certificate #421). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Security State Bank's TellerScore?
77 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 State Bank ever failed?
There is no failure record for FDIC certificate #421 in the FDIC failed bank list.
How many branches does Security State Bank have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Cheyenne
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The First National Bank & TrustBank Elk City, OK | 88 out of 100, Very strong | $294.0M | 13.1% | 0.56% | vs |
| Bank of Western OklahomaBank Elk City, OK | 73 out of 100, Strong | $469.7M | 8.1% | 0.11% | vs |
| Sovereign BankBank Shawnee, OK | 64 out of 100, Moderate | $1.5B | 10.3% | 0.06% | vs |
| Great Plains National BankBank Elk City, OK | 62 out of 100, Moderate | $1.9B | 9.4% | 1.33% | vs |
| InterBankBank Oklahoma City, OK | 62 out of 100, Moderate | $5.3B | 11.1% | 1.56% | vs |
| The Bank of the WestBank Thomas, OK | 62 out of 100, Moderate | $192.4M | 10.5% | 2.22% | vs |