| Metric | Security Bank, s.b. | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.9% | +4.4% | +8.6 pts |
| Deposit growth (YoY) | -7.5% | +4.0% | -11.4 pts |
| Loan growth (YoY) | +22.1% | +5.6% | +16.5 pts |
| ROA | 0.68% | 1.24% | -0.6 pts |
| ROE | 7.8% | 11.9% | -4.1 pts |
ROA ranks in the 20th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $244.5M | $185.5M | $136.3M | $22.7M | $859K | 0.68% | 3.83% | 0.09% |
| Q1 2026 | $251.5M | $193.5M | $128.9M | $21.8M | $413K | 0.65% | 3.70% | 0.09% |
| Q4 2025 | $256.6M | $197.5M | $117.8M | $21.6M | $336K | 0.15% | 3.84% | 0.12% |
| Q3 2025 | $204.0M | $180.5M | $114.2M | $22.2M | $1.1M | 0.66% | 3.95% | 0.34% |
| Q2 2025 | $216.5M | $200.5M | $111.7M | $15.5M | $751K | 0.69% | 3.87% | 0.38% |
| Q1 2025 | $217.7M | $201.9M | $110.7M | $15.1M | $411K | 0.76% | 3.91% | 0.40% |
| Q4 2024 | $214.9M | $200.0M | $113.0M | $13.9M | $678K | 0.31% | 3.51% | 0.61% |
| Q3 2024 | $244.3M | $228.7M | $111.3M | $14.6M | $185K | 0.11% | 3.36% | 0.69% |
Loan mix (Q2 2026): real estate $115.9M · commercial $16.2M · consumer $3.0M · securities $75.6M
| Ratio | Security Bank, s.b. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.68% | 1.24% | 20th | |
Return on equity Annualized net income ÷ equity or net worth | 7.8% | 11.9% | 26th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.83% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.1% | 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, s.b. | 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, s.b. | 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, s.b. | 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, s.b. | 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.