| Metric | Security Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.5% | +4.4% | +0.1 pts |
| Deposit growth (YoY) | +3.8% | +4.0% | -0.2 pts |
| Loan growth (YoY) | +18.3% | +5.6% | +12.7 pts |
| ROA | 0.73% | 1.24% | -0.5 pts |
| ROE | 7.6% | 11.9% | -4.3 pts |
ROA ranks in the 21st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $224.1M | $191.8M | $104.3M | $22.0M | $832K | 0.73% | 3.43% | 0.25% |
| Q1 2026 | $233.2M | $200.7M | $96.0M | $22.1M | $390K | 0.67% | 3.33% | 0.39% |
| Q4 2025 | $229.8M | $197.5M | $91.8M | $21.8M | $1.2M | 0.55% | 3.07% | 0.21% |
| Q3 2025 | $220.1M | $188.0M | $89.1M | $22.0M | $719K | 0.44% | 2.97% | 0.23% |
| Q2 2025 | $214.4M | $184.9M | $88.2M | $20.4M | $481K | 0.44% | 2.89% | 0.22% |
| Q1 2025 | $219.5M | $190.8M | $84.0M | $20.0M | $130K | 0.24% | 2.70% | 0.38% |
| Q4 2024 | $215.1M | $188.7M | $79.4M | $19.4M | $861K | 0.40% | 2.93% | 0.25% |
| Q3 2024 | $212.5M | $180.0M | $78.3M | $20.9M | $617K | 0.39% | 2.95% | 0.27% |
Loan mix (Q2 2026): real estate $78.2M · commercial $21.5M · consumer $3.5M · securities $96.5M
| Ratio | Security Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.73% | 1.24% | 21th | |
Return on equity Annualized net income ÷ equity or net worth | 7.6% | 11.9% | 24th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.43% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.3% | 62.9% | 80th |
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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