| Metric | Security State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.8% | +4.4% | -11.2 pts |
| Deposit growth (YoY) | -11.5% | +4.0% | -15.5 pts |
| Loan growth (YoY) | +6.2% | +5.6% | +0.6 pts |
| ROA | 2.28% | 1.24% | +1.0 pts |
| ROE | 8.7% | 11.9% | -3.1 pts |
ROA ranks in the 93rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $109.8M | $79.7M | $82.4M | $30.0M | $1.3M | 2.28% | 5.07% | 1.65% |
| Q1 2026 | $114.8M | $85.0M | $79.8M | $29.3M | $619K | 2.17% | 4.92% | 1.78% |
| Q4 2025 | $113.1M | $84.1M | $78.2M | $28.8M | $2.4M | 2.03% | 4.55% | 1.79% |
| Q3 2025 | $117.9M | $89.4M | $77.7M | $28.1M | $1.8M | 1.99% | 4.44% | 2.28% |
| Q2 2025 | $117.9M | $90.0M | $77.6M | $27.5M | $1.1M | 1.93% | 4.35% | 4.06% |
| Q1 2025 | $117.9M | $90.7M | $77.1M | $26.8M | $555K | 1.86% | 4.25% | 3.40% |
| Q4 2024 | $121.4M | $95.0M | $72.7M | $26.1M | $2.2M | 1.88% | 4.42% | 1.35% |
| Q3 2024 | $121.4M | $95.5M | $77.4M | $25.7M | $1.6M | 1.90% | 4.46% | 1.22% |
Loan mix (Q2 2026): real estate $42.6M · commercial $16.2M · consumer $679K · securities $16.1M
| Ratio | Security State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.28% | 1.24% | 93th | |
Return on equity Annualized net income ÷ equity or net worth | 8.7% | 11.9% | 31th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.07% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 41.4% | 62.9% | 5th |
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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