| Metric | Security Bank Midwest | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -7.2% | +4.4% | -11.6 pts |
| Deposit growth (YoY) | -5.9% | +4.0% | -9.8 pts |
| Loan growth (YoY) | -1.5% | +5.6% | -7.1 pts |
| ROA | 0.73% | 1.24% | -0.5 pts |
| ROE | 8.2% | 11.9% | -3.7 pts |
ROA ranks in the 22nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $304.1M | $238.8M | $212.8M | $28.6M | $1.2M | 0.73% | 3.55% | 0.28% |
| Q1 2026 | $321.9M | $246.1M | $211.0M | $29.0M | $752K | 0.93% | 3.52% | 0.24% |
| Q4 2025 | $328.3M | $245.5M | $216.0M | $28.0M | $2.5M | 0.75% | 3.26% | 0.00% |
| Q3 2025 | $331.9M | $240.6M | $218.8M | $27.4M | $2.0M | 0.78% | 3.24% | 0.00% |
| Q2 2025 | $327.7M | $253.7M | $216.1M | $26.6M | $1.3M | 0.77% | 3.22% | 0.00% |
| Q1 2025 | $338.1M | $262.2M | $224.0M | $26.2M | $715K | 0.84% | 3.21% | 0.00% |
| Q4 2024 | $344.3M | $256.7M | $230.9M | $26.3M | $3.6M | 1.07% | 3.31% | 0.16% |
| Q3 2024 | $341.5M | $263.2M | $226.4M | $25.5M | $2.8M | 1.10% | 3.34% | 0.21% |
Loan mix (Q2 2026): real estate $81.6M · commercial $15.6M · consumer $1.1M · securities $65.0M
| Ratio | Security Bank Midwest | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.73% | 1.24% | 22th | |
Return on equity Annualized net income ÷ equity or net worth | 8.2% | 11.9% | 27th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.55% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.4% | 62.9% | 81th |
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% |
| Ratio | Security Bank Midwest | 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% |
| Ratio | Security Bank Midwest | 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% |
| Ratio | Security Bank Midwest | 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% |
| Ratio | Security Bank Midwest | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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