| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.1% | +4.4% | -5.5 pts |
| Deposit growth (YoY) | +1.9% | +4.0% | -2.0 pts |
| Loan growth (YoY) | +1.0% | +5.6% | -4.6 pts |
| ROA | 1.21% | 1.24% | -0.0 pts |
| ROE | 12.3% | 11.9% | +0.5 pts |
ROA ranks in the 49th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $145.1M | $125.0M | $106.3M | $14.6M | $901K | 1.21% | 4.64% | 1.71% |
| Q1 2026 | $152.2M | $128.5M | $103.9M | $14.2M | $427K | 1.14% | 4.55% | 1.28% |
| Q4 2025 | $148.2M | $124.7M | $107.1M | $15.0M | $1.1M | 0.72% | 4.56% | 1.35% |
| Q3 2025 | $143.9M | $119.2M | $101.6M | $14.9M | $1.0M | 0.93% | 4.57% | 1.56% |
| Q2 2025 | $146.7M | $122.7M | $105.3M | $14.5M | $595K | 0.81% | 4.47% | 1.35% |
| Q1 2025 | $149.2M | $127.1M | $108.0M | $14.2M | $335K | 0.91% | 4.44% | 1.52% |
| Q4 2024 | $144.8M | $123.0M | $115.1M | $14.4M | $670K | 0.46% | 4.34% | 2.11% |
| Q3 2024 | $143.9M | $121.4M | $114.0M | $14.5M | $668K | 0.61% | 4.36% | 2.48% |
Loan mix (Q2 2026): real estate $25.8M · commercial $74.6M · consumer $1.5M · securities $27.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Security Bank Minnesota | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.21% | 1.24% | 49th | |
Return on equity Annualized net income ÷ equity or net worth | 12.3% | 11.9% | 52th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.64% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
82th |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.7% | 62.9% | 41th |
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 Minnesota | 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 Minnesota | 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 Minnesota | 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 Minnesota | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.