Security State Bank

Cheyenne, OklahomaFDIC Cert #421

STATEEstablished 19123 branches

Holding company: CHEYENNE BANKING CORPRegulator: FDIC

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Latest reported loan balances by category
Category	Balance
Owner CRE	$0
Investor CRE	$17.1M
Multifamily	$2.57M
Construction	$1.01M
1–4 family	$32M
C&I	$19.1M
Agriculture	$85.7M
Other	$23.2M

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$181M

+15.4%y/y

Percentile by value86th percentileby value

FDICLNLSGR

Net loans

$178M

+15.4%y/y

Percentile by value86th percentileby value

FDICLNLSNET

Loans YoY

+15.38%

+1,248.0%y/y

Percentile by value87th percentileby value

FDICLNLSNET

L/D

69.2%

+7.6%y/y

Percentile by value39th percentileby value

FDICLNLSNET + DEP

Loans/assets

61.7%

+7.4%y/y

Percentile by value43rd percentileby value

FDICLNLSNET + ASSET

RE loans %

47.36%

−5.3%y/y

Percentile by value7th percentileby value

FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC

Construction/capital

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC

Loan HHI

1,709points

+3.7%y/y

Peer standing87th percentile

FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD

Owner CRE %

0.00%

Percentile by value0th percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

9.49%

−37.9%y/y

Percentile by value58th percentileby value

FDICLNRENROT + LNLSGR

C&I %

10.55%

−8.1%y/y

Percentile by value57th percentileby value

FDICLNCI + LNLSGR