| Metric | Security Savings Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.6% | +4.4% | -2.7 pts |
| Deposit growth (YoY) | -1.0% | +4.0% | -4.9 pts |
| Loan growth (YoY) | +0.9% | +5.6% | -4.7 pts |
| ROA | 0.96% | 1.24% | -0.3 pts |
| ROE | 8.7% | 11.9% | -3.1 pts |
ROA ranks in the 32nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $241.4M | $210.1M | $150.4M | $27.4M | $1.2M | 0.96% | 3.89% | 0.19% |
| Q1 2026 | $250.3M | $221.6M | $148.2M | $27.1M | $704K | 1.13% | 3.84% | 0.28% |
| Q4 2025 | $247.6M | $219.6M | $151.4M | $26.3M | $2.1M | 0.87% | 3.60% | 0.14% |
| Q3 2025 | $243.0M | $216.1M | $152.6M | $25.2M | $1.5M | 0.81% | 3.52% | 0.12% |
| Q2 2025 | $237.6M | $212.2M | $149.1M | $23.7M | $1.0M | 0.86% | 3.41% | 0.46% |
| Q1 2025 | $243.2M | $218.4M | $150.8M | $23.1M | $443K | 0.72% | 3.22% | 0.09% |
| Q4 2024 | $245.7M | $212.2M | $151.4M | $22.2M | $1.3M | 0.53% | 2.84% | 0.11% |
| Q3 2024 | $243.5M | $209.4M | $145.2M | $22.9M | $981K | 0.53% | 2.80% | 0.12% |
Loan mix (Q2 2026): real estate $84.6M · commercial $7.3M · consumer $13.1M · securities $71.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Security Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.96% | 1.24% | 32th | |
Return on equity Annualized net income ÷ equity or net worth | 8.7% | 11.9% | 31th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.89% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.7% | 62.9% | 67th |
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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