FDIC Cert #432 · Hugo, Oklahoma · Est. 1930

Security First National Bank of Hugo - FDIC Bank Health Profile

A community-scale look at Security First National Bank of Hugo's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$139M
Total assets
B
Health grade · Good
2.47%
Return on assets
9.5%
Tier 1 capital

Data updated July 2026

The verdict

Security First National Bank of Hugo earns a PlainBankData health grade of B (68/100), with 9.46% Tier 1 capital, profitable at 2.47% ROA, efficient (49% cost ratio).

#3,438
largest of 4,313 FDIC banks by assets
20th
percentile by asset size, nationally
9.46%
Tier 1 ratio - below the 10% well-capitalized line
96th
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 432 · OK B · 68/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-ADEQ · TEXAS-HEALTHY · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-B B (68/100)
  • MID-PACK #3175/4307
  • PHOTO-FINISH The Bank of Forest · MS
  • TIER1-ADEQ 9.5% Tier 1
  • TEXAS-HEALTHY 22.1% Texas
  • ROA-STRONG 2.47% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Oklahoma: The Bank of Forest, MS (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Security First National Bank of Hugo

Lowest and highest poles plus nearest scored peers outside Oklahoma, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Cayuga Lake National… · NY ·…68/100FIRST NATIONAL BANK… · KY · …68/100Security First Natio… · OK ·…68/100The Bank of Forest · MS · ne…68/100The Citizens Nationa… · OH ·…68/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Security First National Bank of Hugo · July 2026

What Security First National Bank of Hugo's Call Report plate shows

Security First National Bank of Hugo (FDIC Cert #432) carries a PlainBankData health grade of B at 68/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,175 of 4,307. Tier 1 capital prints at 9.46%, missing the 10% well-capitalized line. The Texas Ratio is 22.05%, inside the sub-50% band analysts treat as healthy. Return on assets is 2.47%. Balance-sheet scale is $139M, 3,438th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is The Bank of Forest (MS), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Security First National Bank of Hugo

8 FAILURE resolutions in Oklahoma since 2000 (8 since 2008)

Security First National Bank of Hugo's home state sits in the middle band of post-2000 FAILURE counts (8; 8 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Security First National Bank of Hugo remains an active FDIC-insured reporter.

  • FIRST NB OF LINDSAY LINDSAY, OK 2024 → FIRST BANK & TRUST CO.
  • THE FREEDOM STATE BANK FREEDOM, OK 2014 → ALVA STATE BANK & TRUST COMPANY
  • THE BANK OF UNION EL RENO, OK 2014 → BANCFIRST

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Oklahoma banks.

How Security First National Bank of Hugo's 68/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10068/100
Security First National Bank of Hugo's composite health score
Tier 1 Capital Ratio (9.46%) 18/40
Return on Assets (ROA) (2.47%) 25/25
Texas Ratio (22.05%) 10/20
Efficiency Ratio (48.60%) 15/15

68 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$139M

Total balance-sheet footings

Total Deposits

$125M

Customer-funded liabilities

Net Loans

$102M

Outstanding loan book

Net Income

$3M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 8.06% 9.46% 10.86%
Basel III capital ratios - Security First National Bank of Hugo

Where Security First National Bank of Hugo ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Security First National Bank of Hugo's score of 68/100 falls in the highlighted band.

Security First National Bank of Hugo: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

68 26th percentile higher than 26% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Security First National Bank of Hugo 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Security First National Bank of Hugo's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Security First National Bank of Hugo's $139M falls in the highlighted band.

Safety ratios for Security First National Bank of Hugo

Tier 1 capital ratio
Well-capitalized 10%

9.46% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
9.46%
Texas Ratio
22.05%
Equity Capital
$13M

What these ratios mean →

Earnings posture at Security First National Bank of Hugo

Return on Assets (ROA)
96th percentile nationally
2.47%
Return on Equity (ROE)
24.13%
Efficiency Ratio
48.60%

What these mean →

Income & expense at Security First National Bank of Hugo

$10M
Interest Income
$783K
Non-Interest Income
$4M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Security First National Bank of Hugo reports a Texas Ratio of 22.05% - within the generally healthy range below the 50% level analysts watch.

Texas Ratio
Caution 50%

22.05% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Security First National Bank of Hugo on FDIC BankFind →

Top banks in Oklahoma by total assets

Largest banks headquartered in Oklahoma
  1. 1
    BOKF $52.0B

    Tulsa, OK · Grade A

  2. 2
    MidFirst Bank $41.4B

    Oklahoma City, OK · Grade B

  3. 3
    First United Bank and Trust Company $16.3B

    Durant, OK · Grade B

  4. 4
    BancFirst $12.1B

    Oklahoma City, OK · Grade A

  5. 5
    InterBank $5.5B

    Oklahoma City, OK · Grade B

Top 5 banks in Oklahoma ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($139M here), outside Oklahoma so the neighborhood is not state containment.

Security State Bank $139M · WI Farmers Savings Bank $139M · IA Jonesburg State Bank $139M · MO The Citizens State Bank $139M · KS

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Security First National Bank of Hugo (FDIC Cert #432) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Security First National Bank of Hugo Call Report profile · FDIC Failed Bank List · Oklahoma FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Oklahoma

All Oklahoma banks →
BankAssetsGradeROA
BOKF, National AssociationTulsa $52.0B A 1.10%
MidFirst BankOklahoma City $41.4B B 1.19%
First United Bank and Trust CompanyDurant $16.3B B 0.97%
BancFirstOklahoma City $12.1B A 1.79%
InterBankOklahoma City $5.5B B 3.60%
Stride Bank, National AssociationEnid $4.9B A 2.10%
RCB BankClaremore $4.1B A 1.32%
First Fidelity BankOklahoma City $2.9B B 0.94%