| Metric | Security Savings Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.1% | +4.9% | +2.2 pts |
| Deposit growth (YoY) | +6.6% | +4.3% | +2.3 pts |
| Loan growth (YoY) | +2.4% | +5.3% | -2.9 pts |
| ROA | 0.92% | 1.28% | -0.4 pts |
| ROE | 8.9% | 12.4% | -3.5 pts |
ROA ranks in the 26th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $557.4M | $495.0M | $422.5M | $57.5M | $2.5M | 0.92% | 3.34% | 0.07% |
| Q1 2026 | $549.6M | $490.1M | $415.4M | $56.3M | $1.2M | 0.90% | 3.29% | 0.07% |
| Q4 2025 | $532.8M | $474.7M | $415.3M | $55.7M | $3.8M | 0.73% | 3.21% | 0.06% |
| Q3 2025 | $513.2M | $453.5M | $408.1M | $55.0M | $2.6M | 0.69% | 3.18% | 0.06% |
| Q2 2025 | $520.6M | $464.2M | $412.6M | $53.8M | $1.7M | 0.68% | 3.11% | 0.06% |
| Q1 2025 | $508.9M | $453.5M | $403.9M | $52.6M | $756K | 0.59% | 2.99% | 0.08% |
| Q4 2024 | $515.3M | $460.9M | $405.5M | $51.6M | $2.2M | 0.44% | 2.59% | 0.00% |
| Q3 2024 | $513.6M | $458.0M | $396.9M | $51.3M | $1.6M | 0.43% | 2.50% | 0.00% |
Loan mix (Q2 2026): real estate $313.5M · commercial $31.5M · consumer $3.3M · securities $24.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Security Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.92% | 1.28% | 26th | |
Return on equity Annualized net income ÷ equity or net worth | 8.9% | 12.4% | 26th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.34% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.6% | 61.2% | 78th |
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 Savings 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 Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Security Savings 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 Savings 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 Savings Bank | 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.
8 branches in 5 counties across 3 states (+0 vs 2024) · $464.2M branch deposits. Biggest market: Lyon, IA, ranked 2nd with 23.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Lyon, IA | 3 | $167.7M | 23.26% | 2nd |
| Rock, MN | 2 | $129.7M | 32.17% | 2nd |
| Minnehaha, SD | 1 | $63.4M | 0.02% | 22nd |
| 2 more counties with Pro → | ||||
Minnesota: 181st with 0.05% · Iowa: 166th with 0.11% · South Dakota: 55th with 0.01% · Sioux Falls metro: 19th, 0.03% ·
Branch count: 2022 8 · 2023 8 · 2024 8 · 2025 8