Compared with Oklahoma
4 of 14
compared fees are above the median.
9 below, 1 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
75th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Oklahoma median
of 14 compared; 9 below, 1 about the same
See the feesFee schedule read Nov 3, 2026
Call-report figures are for Security Bank and Trust Company at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 1,681 banks with under $300M in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the Oklahoma median | Published fees above the Oklahoma median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Security Bank and Trust Company's published fee schedule; Bank Fee Index medians | Current schedule | Nov 3, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 3.4% of revenue, above the 2.1% median of 1,681 banks with under $300M in assets (75th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $64K in Q2 2026, 22% below the same quarter a year earlier ($82K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
4 of 14 compared published fees sit above the Oklahoma median; 9 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Oklahoma medians for fees published by banks and credit unions.
Monthly Maintenance
Overdraft (OD)
NSF / Returned Item
Each amount links to the fee schedule it was read from. Medians for Oklahoma, the Kansas City district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income fell 15% from Q3 2025 to Q2 2026, to $64K. Its share of revenue, 3.4%, is above the 2.1% median for banks with under $300M in assets.
$64K
Security Bank and Trust CompanyMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 1,681 banks with under $300M in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
Security Bank and Trust Company · $167M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 17 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Security Bank and Trust Company(this institution) | Miami, OK | $167M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| American Bank of Baxter Springs | Baxter Springs, KS | $170M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Auburn Banking Company | Auburn, KY | $164M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Bank of Belle Glade | Belle Glade, FL | $160M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Bank of South Texas | Mcallen, TX | $175M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Overdraft not published |
| Carson Community Bank | Stilwell, OK | $167M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Citizens Bank and Trust of Lebanon, Inc. | Lebanon, KY | $173M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Commercial Trust Company of Fayette | Fayette, MO | $164M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Farmers and Merchants Bank | Sylvania, GA | $171M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Farmers National Bank | Phillipsburg, KS | $173M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First Bank | Sterling, KS | $162M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| First Federal Savings and Loan Association of Greensburg | Greensburg, IN | $159M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First New Mexico Bank, Las Cruces | Las Cruces, NM | $172M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Iroquois Farmers State Bank | Iroquois, IL | $174M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Overdraft not published |
| Millville Savings Bank | Millville, NJ | $170M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Normangee State Bank | Normangee, TX | $165M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| North Central Bank | Hennepin, IL | $166M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Security Bank of Pulaski County | Saint Robert, MO | $163M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Sharon Bank | Springfield, PA | $173M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| State Bank & Trust Company | Golden Meadow, LA | $165M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| State Bank of Reeseville | Reeseville, WI | $170M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| The Goose River Bank | Mayville, ND | $173M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| The Warrington Bank | Pensacola, FL | $174M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Twin River Bank | Lewiston, ID | $173M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Utah Independent Bank | Salina, UT | $171M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Westmoreland Federal Savings and Loan Association | Latrobe, PA | $167M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 11 publish this fee(monthly maintenance)
14 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $12, against a peer median of $6 among 11 publishing peers.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.
Call reports for Security Bank and Trust Company (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $64K | −$4K | −5.9% |
| Q1 2026 | $68K | −$13K | −16.0% |
| Q4 2025 | $81K | +$6K | +8.0% |
| Q3 2025 | $75K | −$7K | −8.5% |
| Q2 2025 | $82K | +$6K | +7.9% |
| Q1 2025 | $76K | −$14K | −15.6% |
| Q4 2024 | $90K | +$42K | +87.5% |
| Q3 2024 | $48K | −$54K | −52.9% |
Financial cohort: 1,760 banks with under $300M in assets filing for Q2 2026; 1,681 reported a share above 0% and are counted, Security Bank and Trust Company left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Security Bank and Trust Company by share.
Amounts from Security Bank and Trust Company’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly service charge | $12Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Dormant Account | $6Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Checkbook Reconciliation | $15Inside the U.S. middle 50% ($7 to $25 nationally) | Not stated | None |
| Paper Statement | $4Inside the U.S. middle 50% ($2 to $4.98 nationally) | per month | None |
Overdraft & NSF | |||
| Overdraft Item Fee | $25Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Nov 3, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where Security Bank and Trust Company operates, and what regulators and customers have on file.
Branch footprint
4 offices in 1 state, $145.4M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 4 | $145.4M |
Largest competitors nearby
Local market: Ottawa county, OK, where it holds the most deposits.
| 7 in its local market | Deposit share |
|---|---|
| Welch State Bank of Welch, Okla. | 24.5% |
| The First National Bank and Trust Company of Miami | 23.3% |
| Arvest Bank | 19.9% |
| Grand Savings Bank | 5% |
| Method Bank | 3.2% |
This bank holds 20.8% of the deposits there.
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
Enforcement actions
None on file with the Federal Reserve
The Federal Reserve has no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the Federal Reserve, read November 1, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts