Security Bank
Total assets
$309.9M
▼ -2.7% YoY
Deposits
$269.7M
▼ -4.1% YoY
Loans
$225.6M
▲ +9.1% YoY
Offices
5
EMPLOYEE STK OWNERSHIP PLAN ACCOUNTS TR SECURITY BK KSOP&TR
ROA (annualized)
1.34%
peers 1.24%
ROE (annualized)
11.34%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | Security Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.7% | +4.4% | -7.0 pts |
| Deposit growth (YoY) | -4.1% | +4.0% | -8.1 pts |
| Loan growth (YoY) | +9.1% | +5.6% | +3.5 pts |
| ROA | 1.34% | 1.24% | +0.1 pts |
| ROE | 11.3% | 11.9% | -0.5 pts |
ROA ranks in the 56th percentile of its peer group · Q2 2026
Profile
- Established
- 1928
- Charter
- State
- Primary regulator
- FED
- Holding company
- EMPLOYEE STK OWNERSHIP PLAN ACCOUNTS TR SECURITY BK KSOP&TR
- Specialization
- Agricultural Specialization
- Address
- 202 E 2nd St, Laurel, NE, 68745
- County
- Cedar
- Offices
- 5
- FDIC cert #
- 5424
- RSSD ID
- 566056
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $309.9M | $269.7M | $225.6M | $38.8M | $2.1M | 1.34% | 4.12% | 0.62% |
| Q1 2026 | $316.0M | $277.9M | $225.7M | $36.9M | $815K | 1.02% | 3.97% | 0.65% |
| Q4 2025 | $321.5M | $283.7M | $220.7M | $36.3M | $3.9M | 1.22% | 4.00% | 0.15% |
| Q3 2025 | $311.9M | $272.8M | $206.0M | $37.2M | $3.0M | 1.25% | 4.00% | 0.19% |
| Q2 2025 | $318.4M | $281.3M | $206.8M | $35.5M | $2.0M | 1.25% | 3.93% | 0.15% |
| Q1 2025 | $316.6M | $281.1M | $205.6M | $34.3M | $1.0M | 1.27% | 3.84% | 0.19% |
| Q4 2024 | $318.0M | $270.9M | $204.1M | $33.0M | $4.0M | 1.31% | 3.91% | 0.17% |
| Q3 2024 | $303.0M | $265.6M | $195.0M | $35.2M | $3.1M | 1.38% | 3.96% | 0.17% |
Loan mix (Q2 2026): real estate $106.7M · commercial $27.2M · consumer $5.8M · securities $55.7M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Security Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.34% | 1.24% | — | |
Return on equity Annualized net income ÷ equity or net worth | 11.3% | 11.9% | — | |
Net interest margin Interest income − interest expense, ÷ assets | 4.12% | 3.96% | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.9% | 62.9% | — | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Security Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Security Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Security Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Security Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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