| Metric | Security State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.4% | +4.4% | -2.9 pts |
| Deposit growth (YoY) | +2.5% | +4.0% | -1.5 pts |
| Loan growth (YoY) | -7.8% | +5.6% | -13.4 pts |
| ROA | 0.49% | 1.24% | -0.7 pts |
| ROE | 7.0% | 11.9% | -4.9 pts |
ROA ranks in the 13th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $103.0M | $95.6M | $53.6M | $7.1M | $255K | 0.49% | 3.81% | 1.96% |
| Q1 2026 | $99.9M | $92.0M | $52.9M | $7.5M | $248K | 0.96% | 3.95% | 0.36% |
| Q4 2025 | $107.1M | $99.3M | $56.8M | $7.3M | $-769K | -0.74% | 4.67% | 0.96% |
| Q3 2025 | $105.3M | $97.1M | $57.6M | $7.5M | $-441K | -0.57% | 4.80% | 0.00% |
| Q2 2025 | $101.6M | $93.3M | $58.2M | $6.7M | $-963K | -1.88% | 4.88% | 0.00% |
| Q1 2025 | $104.2M | $95.1M | $60.4M | $8.1M | $710K | 2.75% | 5.48% | 0.00% |
| Q4 2024 | $102.4M | $93.6M | $66.3M | $7.4M | $517K | 0.52% | 3.07% | 0.04% |
| Q3 2024 | $99.3M | $90.2M | $62.8M | $8.6M | $957K | 1.29% | 3.78% | 0.04% |
Loan mix (Q2 2026): real estate $12.7M · commercial $5.4M · consumer $3.6M · securities $38.7M
| Ratio | Security State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.49% | 1.24% | 13th | |
Return on equity Annualized net income ÷ equity or net worth | 7.0% | 11.9% | 22th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.81% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.7% | 62.9% | 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 State 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 State 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 State 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 State 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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