Total Assets
$139M
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$125M
Customer-funded liabilities
Net Loans
$102M
Outstanding loan book
Net Income
$3M
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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 metrics
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
Profitability metrics
Return on Assets (ROA)
96th percentile nationally
2.47%
Return on Equity (ROE)
24.13%
Efficiency Ratio
48.60%
What the numbers say about Security First National Bank of Hugo
Security First National Bank of Hugo is an FDIC-insured institution (Certificate #432) headquartered in Hugo, Oklahoma, established in 1930. It holds $139M in total assets - 3,438th of 4,313 FDIC-insured banks, $125M in customer deposits, and $102M in net loans. On safety, its Tier 1 capital ratio of 9.46% is below the 10% well-capitalized threshold, and its Texas Ratio of 22.05% sits in the healthy range below 50%. It earns a PlainBankData health grade of B (68/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
By assets, Security First National Bank of Hugo ranks 116th of 172 banks based in Oklahoma -- squarely in the community-bank tier. Size alone doesn't determine a bank's local importance; a bank this size often has deeper, longer-standing relationships with the specific businesses and depositors it serves than a much larger institution would.
Income & expense breakdown
$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.
Top banks in Oklahoma by total assets
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.
Other banks in Oklahoma
All Oklahoma banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is Security First National Bank of Hugo's health grade?▼
Security First National Bank of Hugo receives a health grade of B (68/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Security First National Bank of Hugo?▼
Security First National Bank of Hugo holds $139M in total assets and $125M in deposits, ranking 3,438th of 4,313 FDIC-insured banks by asset size. It is headquartered in Hugo, Oklahoma.
Is my money safe at Security First National Bank of Hugo?▼
Yes, deposits at Security First National Bank of Hugo (Certificate #432) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Security First National Bank of Hugo's Tier 1 Capital Ratio?▼
Security First National Bank of Hugo has a Tier 1 Capital Ratio of 9.46%. The federal "well-capitalized" threshold is 10%. This bank meets the minimum 6% "adequately capitalized" standard.
What is the Texas Ratio for Security First National Bank of Hugo?▼
Security First National Bank of Hugo has a Texas Ratio of 22.05%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Security First National Bank of Hugo?▼
Security First National Bank of Hugo has an Efficiency Ratio of 48.60%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Security First National Bank of Hugo's profile as a depositor or analyst.
- Security First National Bank of Hugo's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Security First National Bank of Hugo against other Oklahoma banks before moving funds. Oklahoma banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.