# SECURITY STATE BANK
CHEYENNE, OK · FDIC certificate 421 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $279.5M | |
| Deposits | $247.9M | |
| Loans and leases | $174.1M | |
| Total equity | $29.3M | |
| Loans / deposits | 68.92% (p43 of band) | 73.59% |
| Liquid assets / assets | 33.71% (p52 of band) | |
| Uninsured deposits / deposits | 30.24% (p82 of band) | 19.81% |
| Brokered deposits | 7.44% | |
| Wholesale funding | 7.44% (p80 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.73% (p36 of band) | 11.76% |
| Unrealized securities loss / equity | -11.50% (p37 of band) | -6.57% |
| AOCI / equity | -2.02% (p12 of band) | |
| ROA (annualized) | 2.14% (p88 of band) | 1.17% |
| Net interest margin | 4.51% (p77 of band) | 3.93% |
| Efficiency ratio | 47.99% (p11 of band) | |
| Noncurrent loans | 0.67% (p61 of band) | 0.36% |
| Net charge-offs (annualized) | 0.03% (p77 of band) | |
| Reserve coverage of noncurrent | 284.47% | |
| Real estate % of loans | 50% | |
| Construction % of loans | 5.01% (p29 of band) | |
| Auto loans | $5.9M (3.39% of loans; DQ 3.20%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 3.5% | |
| Employees | 39 | |

## 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 | 1 | capital falling |  |
| 2012-06 | 1 | reserve under noncurrent | capital falling |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 0 |  | reserve under noncurrent |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 2 | deposits shrinking, assets shrinking |  |
| 2016-03 | 2 |  |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 3 | reserve under noncurrent |  |
| 2016-12 | 2 |  | assets shrinking |
| 2017-03 | 2 | assets shrinking | reserve under noncurrent |
| 2017-06 | 0 |  | deposits shrinking, assets shrinking |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2018-09 | 1 |  | noncurrent p90 |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 0 |  | reserve under noncurrent |
| 2019-09 | 0 |  |  |
| 2019-12 | 2 | charge-offs p90, deposits shrinking |  |
| 2020-03 | 2 | reserve under noncurrent | deposits shrinking |
| 2020-06 | 1 |  | reserve under noncurrent |
| 2020-09 | 4 | capital falling, reserve under noncurrent, uninsured deposits leaving |  |
| 2020-12 | 2 |  | charge-offs p90, uninsured deposits leaving |
| 2021-03 | 1 | charge-offs p90 | capital falling, reserve under noncurrent |
| 2021-06 | 0 |  | charge-offs p90 |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity | capital falling |
| 2022-09 | 3 | charge-offs p90 |  |
| 2022-12 | 2 |  | securities losses >30% of equity |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 2 | securities losses >30% of equity |  |
| 2023-12 | 3 | brokered >10%, capital falling | securities losses >30% of equity |
| 2024-03 | 1 |  | charge-offs p90, brokered >10% |
| 2024-06 | 1 | brokered >10% | capital falling |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 3 | capital falling, charge-offs p90 |  |
| 2025-06 | 2 |  | capital falling |
| 2025-09 | 1 |  | brokered >10% |
| 2025-12 | 2 | brokered >10%, capital falling | charge-offs p90 |
| 2026-03 | 1 |  | brokered >10% |
| 2026-06 | 0 |  | capital falling |

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

- 2020-07-22 [FBI searches for Hammon Security State Bank armed robbery suspect - KOKH](https://news.google.com/rss/articles/CBMimwFBVV95cUxPWGpJSjRxc29GcFg3OXVqczFkdmprakx5ZHJkMk4taGRLOVdjUDRKczBJZDNpbmd6Mm5aYlBtbWlwQlpLOVprMU1wd2dMZElyWlhXN2J3eG9ROEpsSWNDeUlsUjlhUWhENFdlUzJTZnI5Xzk2N2MyNGo4a1JJQURmOWxmbjItakdoNG1STDRub1JobVJBNENXX21WSQ?oc=5) · KOKH
- 2024-11-15 [Native housing crisis spurs record $5.3M in FHLB grants - Tribal Business News](https://news.google.com/rss/articles/CBMisgFBVV95cUxQZDVQMjFZbzZscXBTVlZ2S09wbElsc2NQNVlkMGM1NnBUSzBjSWVnQUQ1V0RCRWk3NGFsM3JyLTAzU2ktUXppZC00YWdJMW9sb285Xy1rTmZzS0dzdkZwSGxsVjFpME1GNlV3SGRhbExDUWtHNXg1QmoxSVhVTU5TRkFrQ1lwVG9pUnRBZ2xnY3JNSDY3Y0pXNGltakRZZlluVGFkNzk4ZEdJUXMzNmhRZThn?oc=5) · Tribal Business News
- 2025-07-11 [The 20 top-performing banks with $2B to $10B of assets - American Banker](https://news.google.com/rss/articles/CBMilwFBVV95cUxPS0NEYTZFeXRleUhoXzViMmtzQVBWX2xhVVI3aXQwT2N4c056SGF0dzBKbG9uWjlPTXRBcEFNT19XN1JDQmZFZ2ZZLWd1cjVqNEJYOXhuQkJJVzBuY1RubG9HRy10M1o1N0M5THY4REtaaW40WVBQWHJfS2dfNHJFdFVwajVROVVKSEtWQ0YxS0Rjd2tZU2JF?oc=5) · American Banker
- 2026-08-27 [Security State Bank celebrates 50th annual golf tournament - Basin Republican Rustler](https://news.google.com/rss/articles/CBMiqgFBVV95cUxOZG91WGxTUjM1TFdhMHJnSHZ0U0N1V2JUSXNxcFdWX0tSTDdNVW9BcFhpdUY4eEVCMUFCWnZTMEFYRmJKVElVdncxeEQtYlVBLTFNV0k3d293eXd6Z0IyVUhoZVQ2MW5SaVY3OVlRelQ1Rlo1MTNpQUEwZ2ctam5qdkNrajVCVFpjT2lKUmVxX0x1UWhiZWxVckF2Y1JrX0NBRmFEb3RVQ3B2Zw?oc=5) · Basin Republican Rustler
- 2022-02-10 [Osage citizens protest Fairfax bank’s Reign of Terror memorabilia - Osage News](https://news.google.com/rss/articles/CBMikAFBVV95cUxOS3ZKM3BqWFNnSy1QQ2pfSU5OdTBpLUhzNnE2cWhrNGNRcy10bHZfWEtLUDdzNTVfUUpwUGNZajJXZTlIU1BzRkFsWXVyNU5SMTh3Zm5fZWpsSUQ3S2tDVUU1cEYwLUYzdnNnR2Znb1RlMDVvX1k4Y1hyOEpQQnVhaklKQzk0aWs5RW02UHBhMnnSAZABQVVfeXFMTkt2SjNwalhTZ0stUENqX0lOTnUwaS1IczZxNnFoazRjUXMtdGx2X1hLS1A3czU1X1FKcFBjWWoyV2U5SFNQc0ZBbFl1cjVOUjE4d2ZuX2VqbElEN0trQ1VFNXBGMC1GM3ZzZ0dmZ29UZTA1b19ZOGNYcjhKUEJ1YWpJSkM5NGlrOUVtNlBwYTJ5?oc=5) · Osage News
- 2013-05-20 [New rules have big impact on small banks in Oklahoma - The Oklahoman](https://news.google.com/rss/articles/CBMiwAFBVV95cUxOUGtQVHJ5X21LM1JDNnc0Y05faU9QdmNKQkd4cnp4cElsX1pIVEFCRW1RQW9qaFFNNmk5cV9IRG5rM2xBNmh3OTRLczNZbGN0NXJweTZvaFdTdzU3VHBXSFRjWGJNUlBocDJxT0lhUll2UG1DYi1YVnBBcXg2RHpIaUJhTUR1eHZvYk1KbnJMeTJZcDByYXVLTnEzN2ItN3dkVnB6VDY2aVpxSUJjWnctWHk3enl2M0RzaDRsTWkzNWw?oc=5) · The Oklahoman
- 2020-07-22 [FBI seeking suspect in armed robbery of Hammon bank - KFOR.com](https://news.google.com/rss/articles/CBMihwFBVV95cUxQaC1SNkxiUjUtQlh4d1pHM2M3V1c0NXBld2g1WDNoUUk0TEI3TVgzVkFnQ1d2QWU0NFlKYnoxVG56b1J0ZkFMNUNiZFhsLTVaOGJ6QnZ1YzlvUlF4b2ltVmw0MU9ENUpvSV84ZGotcUZVNTJHMjVqTENjWm1ub0hzR2g3b3JQc1XSAYwBQVVfeXFMTk01QzZicGI5d1RLZ2t1ZDU1V0hmeHVENXJwWGYtUzhzczJ2WXlHakVlTFplS2s3S3VjQmtfZVB1SGhyVThRTmxHZV82b2NvQm5rZUVzblJDME9RSmU4anY3MTJ3cXgxVUtUZW15SW0xMXRKOGZ4VkZ2UVlGY0Q1anhvSUpRaVNSNHNzZTg?oc=5) · KFOR.com
- 2016-10-12 [BANK ROBBER: Talala man guilty of bank robbery guilty of bank robbery - Pawhuska Journal Capital](https://news.google.com/rss/articles/CBMirgFBVV95cUxNQWZlS0ZQeDlQbTRoVHlpNDI5Mk5tSndONkJGZnV1SklJRzhVX1Y5dVdISVd5VndKWU1wTTFOaTFXTFRQYk4zY3lmeWRkeHZwZEVMTVNfTGdFeHVuR25EZFNXaHpVdnIxY2x0d0hrdEprSU1RdzdoMEx1MUViSUlobW9MRjNHbFgyay1pUXoya3ZhOFZjd0w4RERtZkVJYlI5SlZmVlU2WExFX1JuU0E?oc=5) · Pawhuska Journal Capital

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=421 (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/37.json (key "421", 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