| Metric | Security Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.8% | +4.4% | +6.4 pts |
| Deposit growth (YoY) | +10.5% | +4.0% | +6.5 pts |
| Loan growth (YoY) | +15.4% | +5.6% | +9.8 pts |
| ROA | 1.74% | 1.24% | +0.5 pts |
| ROE | 14.8% | 11.9% | +2.9 pts |
ROA ranks in the 78th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $253.8M | $216.4M | $225.3M | $29.5M | $2.1M | 1.74% | 4.06% | 1.06% |
| Q1 2026 | $241.1M | $204.6M | $211.4M | $28.4M | $998K | 1.69% | 4.04% | 1.09% |
| Q4 2025 | $231.6M | $196.2M | $205.4M | $27.4M | $3.3M | 1.46% | 4.00% | 1.12% |
| Q3 2025 | $230.5M | $196.3M | $197.7M | $26.6M | $2.3M | 1.33% | 3.90% | 1.08% |
| Q2 2025 | $229.1M | $195.8M | $195.2M | $25.7M | $1.4M | 1.26% | 3.78% | 1.07% |
| Q1 2025 | $228.5M | $195.7M | $190.4M | $25.0M | $782K | 1.41% | 3.77% | 0.51% |
| Q4 2024 | $214.3M | $182.4M | $183.7M | $24.2M | $2.6M | 1.32% | 3.85% | 0.68% |
| Q3 2024 | $204.1M | $173.0M | $178.1M | $23.6M | $1.8M | 1.28% | 3.85% | 0.76% |
Loan mix (Q2 2026): real estate $201.7M · commercial $16.4M · consumer $2.8M · securities $4.0M
| Ratio | Security Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.74% | 1.24% | 78th | |
Return on equity Annualized net income ÷ equity or net worth | 14.8% | 11.9% | 67th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.06% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 46.0% | 62.9% | 10th |
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 | 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 | 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 | 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 | 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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