# SECURITY BANK
TULSA, OK · FDIC certificate 4178 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $939.0M | |
| Deposits | $827.5M | |
| Loans and leases | $774.8M | |
| Total equity | $108.6M | |
| Loans / deposits | 91.78% (p75 of band) | 82.04% |
| Liquid assets / assets | 18.07% (p25 of band) | |
| Uninsured deposits / deposits | 31.80% (p72 of band) | 25.97% |
| Brokered deposits | 4.73% | |
| Wholesale funding | 4.73% (p56 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.84% (p67 of band) | 10.81% |
| Unrealized securities loss / equity | -0.47% (p90 of band) | -8.10% |
| AOCI / equity | -0.22% (p57 of band) | |
| ROA (annualized) | 2.18% (p90 of band) | 1.28% |
| Net interest margin | 4.24% (p70 of band) | 3.91% |
| Efficiency ratio | 43.04% (p8 of band) | |
| Noncurrent loans | 0.15% (p28 of band) | 0.43% |
| Net charge-offs (annualized) | 0.02% (p63 of band) | |
| Reserve coverage of noncurrent | 1332.26% | |
| Real estate % of loans | 74% | |
| Construction % of loans | 63.33% (p67 of band) | |
| Auto loans | $2.2M (0.29% of loans; DQ 0.18%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 3.5% | |
| Employees | 72 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 1 | capital falling |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 0 |  | capital falling |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | capital falling |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 0 |  | capital falling |
| 2015-03 | 0 |  |  |
| 2015-06 | 2 | brokered >10%, wholesale funding >15% |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 2 |  |  |
| 2016-06 | 3 | loans exceed deposits |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 3 | charge-offs p90 | loans exceed deposits |
| 2017-03 | 2 |  | charge-offs p90 |
| 2017-06 | 3 | capital falling |  |
| 2017-09 | 2 |  | capital falling |
| 2017-12 | 2 |  |  |
| 2018-03 | 3 | charge-offs p90 |  |
| 2018-06 | 2 | capital falling | brokered >10%, wholesale funding >15% |
| 2018-09 | 2 | loans exceed deposits | capital falling |
| 2018-12 | 2 |  |  |
| 2019-03 | 0 |  | charge-offs p90, loans exceed deposits |
| 2019-06 | 2 | capital falling, charge-offs p90 |  |
| 2019-09 | 1 |  | capital falling |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 | capital falling | charge-offs p90 |
| 2020-06 | 2 | reserve under noncurrent |  |
| 2020-09 | 0 |  | capital falling, reserve under noncurrent |
| 2020-12 | 1 | charge-offs p90 |  |
| 2021-03 | 0 |  | charge-offs p90 |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 1 | deposits shrinking |  |
| 2023-03 | 0 |  | deposits shrinking |
| 2023-06 | 1 | construction >100% equity |  |
| 2023-09 | 0 |  | construction >100% equity |
| 2023-12 | 2 | capital falling, construction >100% equity |  |
| 2024-03 | 0 |  | capital falling, construction >100% equity |
| 2024-06 | 1 | charge-offs p90 |  |
| 2024-09 | 0 |  | charge-offs p90 |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 1 | capital falling |  |
| 2025-12 | 0 |  | capital falling |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2025-12-09 [Of 5 Oklahoma banks FDIC evaluated on CRA, 1 rated superior - southwestledger.news](https://news.google.com/rss/articles/CBMilAFBVV95cUxNYjZ0NkxyQVRlaU9ReDNCbEdNUDV6Z3hDZXlHM0ZuY0trM3hDVng0SERjYUZ5ZTBGUVgxaGtvc3NQMFFqak0yTzhYaXgzNGROQ0szNkRWMWFndTJteEoyVXhESTNoazIzS3NjdWxJYmdyMU9oSUhkcnByVUdCYVg4ekwydUc0WnVYaUpOQUlaN1AxQjlv?oc=5) · southwestledger.news
- 2026-04-29 [Class of 2026: Outstanding Seniors, presented by Security Bank - TulsaKids Magazine](https://news.google.com/rss/articles/CBMiYEFVX3lxTE5kaHdUSGJCeDNHVmgtQmFPMFJJbDFhMkZOX2w0NWdGZ1RXU3ZqOWU2ODNnWV9rMzFPZEhDbzBOOHJicDBlOFU5MWpaNkU5dkJSMWx5OUVKRVNNZ2pNVnVSUg?oc=5) · TulsaKids Magazine
- 2026-01-12 [Ephrata-based ENB Financial gets regulatory OK to buy Maryland-based Cecil Bancorp - LancasterOnline](https://news.google.com/rss/articles/CBMikgJBVV95cUxOYWhoRVFlMUsydm82Mlc5UU1xZXJ4Und6RzY3NW5vMXZXSVVvQ3FOb2kweThXUlVVeUs3c3o1WUFfdHF2N3FtWHpXekR5SFlFR1lTVDA5M283aWZUM3pRZHd2NnBQTWJDNS1aeXpqRDFrQkZFdEJsdGlEbU5laE5pRlVEbGZHaFg1Zm1aU2dTNEh6VWRCZmZZME51Z0ZZamxPaWtrNlZJTk9uZ2xjdml2S3NqdmI0UEptZ2pDZmZyUkR6QmN5NW9oX210emFlMUhRUkNmRWJjVVNsanJDOHZyUy1iQ1VvUUFjaFlwUUtuY003RVQydU9BQmJ2QkZYNmE5UUdFcGVsYTU3bjZtSVB2aTJB?oc=5) · LancasterOnline
- 2026-04-21 [Security Bank expands green push, backs P2.7-B solar deal - InsiderPH](https://news.google.com/rss/articles/CBMigwFBVV95cUxPLVAzYlpOQ1pZdFhGQzRxVFp5VndXYWtUMWtadFJLTmduaHRuWUpTajN4MUdickpQUndyT2xEN21VSG1YUDFJMlM4YldTQWNEcmZkdlAzdFlCZWVsUDhqTUJ2NUV2OVlWa3VLN0luMWdRSGZZQkVQLVhlZGF6N2dWLXhCcw?oc=5) · InsiderPH
- 2024-01-24 [Fayetteville leader David Russell to retire from First Security Bank - Talk Business & Politics](https://news.google.com/rss/articles/CBMipAFBVV95cUxNYjRKX1FWU2tCUS1XMVQ0c0Mwd1Z0RDVVQVZTQjBhYTMtcnhRSHBhMlZZSU01c1pXMTZPckVxYjIxcDJTcEV1ejJONUtOX1d0bDdWaGpkVURUWVlPVzBQcmlRN3o3X2lWaFZHTTEzYkZodHdwb2h5TGU3Uk8yYTdGX2JQbWRLa0lBYnlWWjYtWVNhZ1YxR0pxSVBhSTR0Q0o3MmN0Sg?oc=5) · Talk Business & Politics
- 2022-07-22 [Craig Scheef of Texas Security Bank: Five Things I Wish Someone Told Me Before I Became A CEO - medium.com](https://news.google.com/rss/articles/CBMi2wFBVV95cUxOV1hmR3BMbWNWRTkzRnZZUVE0WlNTTnZfSFktQ19GanhDU0ZmcWJTc2IwWXQ0WXUyOHFyZHRNMzVDV3J5d0UyZTZOLWhvMkhCVmFvVG0wemo1NVg2MHp6UkRFOUowYnk1QWpxSWdVenBHMy1MenR1UVJ2SHNEQ0t6TjNIdGx5WHlqRVhmZzFEZnh2elU0WVNLRVRKdk5kUXowanRBUjRSMHZsUHFpZUd3TktjQUlFWkF4bVJTakstME5LUDk4a3cwTjQ2OF9PSUlBSHE5V3J3MVJiUlE?oc=5) · medium.com
- 2022-03-22 [Coffee With: Craig Scheef, CEO of Texas Security Bank - D Magazine](https://news.google.com/rss/articles/CBMipgFBVV95cUxOdXl0Wm4xX285WUo1NjJWOHZ0cGV0eVFORkVnbXBHTDlNcUZIVzJvd0RUWUNULVJIUGhfLXlVZDlSeWRYbnUzeWRkT016Q1RUZGJwOHFLckpmcnZjWUkxdFRFZ2kxVWp3b1NodDBhV0x0dFN2RmpJUWljZzdGSlM1TzI0bXpvSkdfQW1kMloyYkpwQ2FWZnZUOG4yMzRuTVN0bms3TGZB?oc=5) · D Magazine

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=4178 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/18.json (key "4178", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide