| Metric | Security Savings Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.3% | +4.4% | -3.1 pts |
| Deposit growth (YoY) | -1.1% | +4.0% | -5.0 pts |
| Loan growth (YoY) | +12.8% | +5.6% | +7.2 pts |
| ROA | 2.22% | 1.24% | +1.0 pts |
| ROE | 15.6% | 11.9% | +3.7 pts |
ROA ranks in the 92nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $193.7M | $161.1M | $143.9M | $28.4M | $2.2M | 2.22% | 4.72% | 0.03% |
| Q1 2026 | $198.8M | $166.8M | $144.0M | $27.8M | $1.1M | 2.17% | 4.56% | 0.03% |
| Q4 2025 | $194.2M | $162.6M | $134.3M | $27.4M | $3.5M | 1.84% | 4.46% | 0.03% |
| Q3 2025 | $183.8M | $151.2M | $131.9M | $27.0M | $2.6M | 1.82% | 4.43% | 0.01% |
| Q2 2025 | $191.2M | $162.8M | $127.6M | $25.1M | $1.7M | 1.78% | 4.35% | 0.03% |
| Q1 2025 | $191.6M | $163.9M | $126.5M | $24.5M | $832K | 1.75% | 4.27% | 0.02% |
| Q4 2024 | $188.7M | $160.5M | $127.2M | $23.8M | $3.1M | 1.57% | 3.99% | 0.03% |
| Q3 2024 | $192.4M | $155.6M | $128.9M | $24.2M | $2.2M | 1.52% | 3.90% | 0.02% |
Loan mix (Q2 2026): real estate $72.5M · commercial $20.2M · consumer $4.3M · securities $26.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Security Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.22% | 1.24% | 92th | |
Return on equity Annualized net income ÷ equity or net worth | 15.6% | 11.9% | 72th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.72% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 49.5% | 62.9% | 15th |
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 |
|---|---|---|---|---|
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% |
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