TellerScore

The Security National Bank of Enid (FDIC certificate #14966) is based in Enid, Oklahoma. Its Q2 2026 call report shows $400.4M in total assets and $366.0M in deposits and 3 offices.

Based on its Q2 2026 filing, The Security National Bank of Enid scores 73/100, which we describe as strong. That is higher than 53% of 2,650 banks with $100 million – $1 billion. Among 170 banks headquartered in Oklahoma, it ranks 69th. Its strongest component is problem-loan coverage (98/100; 0.9%), and its lowest is capital cushion (37/100; 8.74%).

TellerScore · Q2 2026

Scorecard

Capital cushion37/100
Tier 1 leverage ratio: 8.74%
Loan quality95/100
Noncurrent loans ÷ total loans: 0.14%
Earnings85/100
Return on assets (annualized): 1.63%
Funding & liquidity74/100
Loans ÷ deposits and uninsured-deposit share: 63.6% · 35.7% uninsured
Problem-loan coverage98/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.93%

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 4 points (69 → 73), mostly because the earnings component improved by 13 points.

TellerScore
687173Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202469
Q3 202468
Q4 202469
Q1 202568
Q2 202569
Q3 202570
Q4 202571
Q1 202672
Q2 202673
Tier 1 leverage ratio
5.00%7.09%9.18%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.63%
Q3 20248.87%
Q4 20248.98%
Q1 20258.80%
Q2 20258.64%
Q3 20258.94%
Q4 20259.18%
Q1 20268.95%
Q2 20268.74%
Noncurrent loans
0.14%0.31%0.47%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.31%
Q3 20240.47%
Q4 20240.31%
Q1 20250.35%
Q2 20250.24%
Q3 20250.24%
Q4 20250.24%
Q1 20260.21%
Q2 20260.14%
Return on assets
1.17%1.40%1.63%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.41%
Q3 20241.33%
Q4 20241.27%
Q1 20251.17%
Q2 20251.29%
Q3 20251.36%
Q4 20251.40%
Q1 20261.45%
Q2 20261.63%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202673$400.4M8.74%0.14%1.63%63.6%
Q1 202672$401.4M8.95%0.21%1.45%63.2%
Q4 202571$390.3M9.18%0.24%1.40%64.2%
Q3 202570$369.6M8.94%0.24%1.36%66.6%
Q2 202569$390.4M8.64%0.24%1.29%62.0%
Q1 202568$399.2M8.80%0.35%1.17%60.5%
Q4 202469$382.4M8.98%0.31%1.27%61.2%
Q3 202468$373.7M8.87%0.47%1.33%60.8%
Q2 202469$375.8M8.63%0.31%1.41%59.3%

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 ratio8.74%
9th
Total risk-based capital18.48%
82nd
Problem loans0.14%
69th
Net charge-offs-0.00%
84th
Return on assets1.63%
72nd
Net interest margin3.17%
15th
Efficiency ratio50.2%
83rd
Loans to deposits63.6%
78th
Uninsured deposits35.7%
16th
Loan-loss reserves1.25%
57th
Texas ratio0.9%
70th

Similar-size banks in Oklahoma

InstitutionScoreAssetsCapitalProblem loansCompare
Anchor D BankBank Texhoma, OK80 out of 100, Strong$404.5M10.5%0.00%vs
The Community State BankBank Poteau, OK66 out of 100, Moderate$393.1M9.1%0.26%vs
Security State Bank of OklahomaBank Wewoka, OK79 out of 100, Strong$388.2M12.4%0.69%vs
McCurtain County National BankBank Broken Bow, OK75 out of 100, Strong$384.2M15.7%1.64%vs
Exchange Bank and Trust CompanyBank Perry, OK65 out of 100, Moderate$428.7M10.8%1.59%vs
The Citizens Bank of EdmondBank Edmond, OK57 out of 100, Moderate$432.4M8.5%0.63%vs

Deposit insurance

Is my money safe at The Security National Bank of Enid?

Yes. The Security National Bank of Enid is an FDIC-insured institution (FDIC certificate #14966). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 35.7% of deposits ($130.6M) 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 8.74%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 18.48% (benchmark: 10%).

Check how much of your own balance is covered

3 locations

Branches

The Security National Bank of Enid lists 3 offices in 1 city. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, The Security National Bank of Enid reported 79 home-loan applications under HMDA (LEI 549300XTFXREUXEWLW38): 73 originated ($14,615,000 total), 3 denied, and 1 withdrawn or closed by the applicant. Its denial rate on decided applications was 3.8%, 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
The Security National Bank of Enid
Type
National bank
FDIC certificate #
14966
RSSD ID
119153
Primary regulator
OCC
Holding company
Security Finl Services Corp
Established
January 1, 1907
Headquarters
100 S Independence St, Enid, OK 73701
Employees
45

Quick answers

The Security National Bank of Enid: common questions

Is The Security National Bank of Enid FDIC insured?

Yes. The Security National Bank of Enid is an FDIC-insured institution (FDIC certificate #14966). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The Security National Bank of Enid's TellerScore?

73 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 The Security National Bank of Enid ever failed?

There is no failure record for FDIC certificate #14966 in the FDIC failed bank list.

How many branches does The Security National Bank of Enid have?

3 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Enid

InstitutionScoreAssetsCapitalProblem loansCompare
Cowboy BankBank Kremlin, OK84 out of 100, Strong$350.3M12.7%0.49%vs
The First State Bank of Pond Creek, OklahomaBank Pond Creek, OK83 out of 100, Strong$55.5M12.8%0.32%vs
The City National Bank and Trust Company of Lawton, OklahomaBank Lawton, OK83 out of 100, Strong$446.2M13.9%0.45%vs
Tinker Federal Credit UnionCredit union Oklahoma City, OK83 out of 100, Strong$6.1B14.7%0.63%vs
Cleo State BankBank Cleo Springs, OK80 out of 100, Strong$122.5M16.4%2.12%vs
Wisdom Heritage BankBank Alva, OK78 out of 100, Strong$601.3M14.2%1.28%vs