TellerScore

Headquartered in Wewoka, Oklahoma, Security State Bank of Oklahoma is a state-chartered bank with $388.2M in total assets and $287.5M in deposits as of Q2 2026. It operates 4 offices. Its charter dates back to 1911.

Security State Bank of Oklahoma has a TellerScore of 79 out of 100 (strong) based on Q2 2026 data — higher than 75% of its 2,650 banks with $100 million – $1 billion. Among 170 banks headquartered in Oklahoma, it ranks 47th. Earnings contributes the most (100/100, 2.39%); funding & liquidity contributes the least (51/100, 71% loans-to-deposits, 49% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion74/100
Tier 1 leverage ratio: 12.41%
Loan quality77/100
Noncurrent loans ÷ total loans: 0.69%
Earnings100/100
Return on assets (annualized): 2.39%
Funding & liquidity51/100
Loans ÷ deposits and uninsured-deposit share: 71.3% · 49.2% uninsured
Problem-loan coverage94/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 3.13%

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 15 points (64 → 79), mostly because the loan quality component improved by 46 points.

TellerScore
627179Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202476
Q3 202476
Q4 202465
Q1 202562
Q2 202564
Q3 202570
Q4 202571
Q1 202673
Q2 202679
Tier 1 leverage ratio
5.00%10.32%15.64%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202415.20%
Q3 202415.64%
Q4 202411.22%
Q1 202511.27%
Q2 202511.56%
Q3 202512.12%
Q4 202511.07%
Q1 202611.71%
Q2 202612.41%
Noncurrent loans
0.69%1.38%2.06%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.83%
Q3 20241.94%
Q4 20241.82%
Q1 20251.96%
Q2 20252.06%
Q3 20251.62%
Q4 20251.31%
Q1 20261.18%
Q2 20260.69%
Return on assets
1.67%2.03%2.39%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.77%
Q3 20241.88%
Q4 20241.91%
Q1 20251.67%
Q2 20252.01%
Q3 20252.22%
Q4 20252.34%
Q1 20262.31%
Q2 20262.39%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202679$388.2M12.41%0.69%2.39%71.3%
Q1 202673$394.8M11.71%1.18%2.31%67.5%
Q4 202571$394.8M11.07%1.31%2.34%60.1%
Q3 202570$391.6M12.12%1.62%2.22%71.0%
Q2 202564$386.9M11.56%2.06%2.01%66.4%
Q1 202562$381.3M11.27%1.96%1.67%61.3%
Q4 202465$373.1M11.22%1.82%1.91%61.6%
Q3 202476$360.1M15.64%1.94%1.88%63.5%
Q2 202476$349.4M15.20%1.83%1.77%66.5%

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 ratio12.41%
69th
Total risk-based capital20.79%
88th
Problem loans0.69%
38th
Net charge-offs0.56%
4th
Return on assets2.39%
94th
Net interest margin4.88%
90th
Efficiency ratio40.1%
96th
Loans to deposits71.3%
68th
Uninsured deposits49.2%
4th
Loan-loss reserves1.41%
73rd
Texas ratio3.1%
47th

Similar-size banks in Oklahoma

InstitutionScoreAssetsCapitalProblem loansCompare
McCurtain County National BankBank Broken Bow, OK75 out of 100, Strong$384.2M15.7%1.64%vs
The Community State BankBank Poteau, OK66 out of 100, Moderate$393.1M9.1%0.26%vs
The Security National Bank of EnidBank Enid, OK73 out of 100, Strong$400.4M8.7%0.14%vs
Anchor D BankBank Texhoma, OK80 out of 100, Strong$404.5M10.5%0.00%vs
The Pauls Valley National BankBank Pauls Valley, OK39 out of 100, Low$356.6M9.5%5.72%vs
Sooner State BankBank Tuttle, OK86 out of 100, Very strong$354.6M12.8%0.33%vs

Deposit insurance

Is my money safe at Security State Bank of Oklahoma?

Yes. Security State Bank of Oklahoma is an FDIC-insured institution (FDIC certificate #8980). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 49.2% of deposits ($141.5M) 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 12.41%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 20.79% (benchmark: 10%).

Check how much of your own balance is covered

4 locations

Branches

Security State Bank of Oklahoma lists 4 offices in 4 cities. Most locations:

  • Holdenville, OK (1)
  • Maud, OK (1)
  • Seminole, OK (1)
  • Wewoka, OK (1)

All branch addresses and map

Identity & history

Profile

Legal name
Security State Bank of Oklahoma
Former names
Security State Bank of Wewoka, Oklahoma
Type
State-chartered bank
FDIC certificate #
8980
RSSD ID
52951
Primary regulator
FDIC
Holding company
Security Bancshares Corp
Established
December 5, 1911
Headquarters
210 S Mekusukey Ave, Wewoka, OK 74884
Employees
51

Quick answers

Security State Bank of Oklahoma: common questions

Is Security State Bank of Oklahoma FDIC insured?

Yes. Security State Bank of Oklahoma is an FDIC-insured institution (FDIC certificate #8980). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Security State Bank of Oklahoma's TellerScore?

79 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 of Oklahoma ever failed?

There is no failure record for FDIC certificate #8980 in the FDIC failed bank list.

How many branches does Security State Bank of Oklahoma have?

4 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Wewoka

InstitutionScoreAssetsCapitalProblem loansCompare
Farmers State Bank, Allen, OklahomaBank Allen, OK86 out of 100, Very strong$57.2M13.5%0.61%vs
Sooner State BankBank Tuttle, OK86 out of 100, Very strong$354.6M12.8%0.33%vs
Tinker Federal Credit UnionCredit union Oklahoma City, OK83 out of 100, Strong$6.1B14.7%0.63%vs
American Exchange BankBank Henryetta, OK78 out of 100, Strong$103.7M13.5%1.32%vs
BancFirstBank Oklahoma City, OK71 out of 100, Strong$12.8B10.6%1.19%vs
Patrons Bank, National AssociationBank Okmulgee, OK69 out of 100, Moderate$314.5M10.8%0.80%vs