| Metric | Security State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.1% | +4.4% | -0.2 pts |
| Deposit growth (YoY) | +0.7% | +4.0% | -3.3 pts |
| Loan growth (YoY) | +15.6% | +5.6% | +10.0 pts |
| ROA | 0.56% | 1.24% | -0.7 pts |
| ROE | 6.4% | 11.9% | -5.4 pts |
ROA ranks in the 15th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $449.1M | $380.1M | $257.1M | $38.6M | $1.2M | 0.56% | 3.19% | 0.13% |
| Q1 2026 | $430.8M | $383.4M | $231.2M | $37.2M | $585K | 0.54% | 3.10% | 0.13% |
| Q4 2025 | $444.0M | $395.2M | $225.6M | $38.6M | $2.0M | 0.45% | 2.93% | 0.06% |
| Q3 2025 | $446.5M | $399.8M | $233.8M | $36.3M | $1.3M | 0.40% | 2.88% | 0.06% |
| Q2 2025 | $431.3M | $377.4M | $222.4M | $33.8M | $649K | 0.30% | 2.82% | 0.05% |
| Q1 2025 | $441.6M | $393.9M | $215.3M | $31.7M | $224K | 0.20% | 2.74% | 0.00% |
| Q4 2024 | $433.2M | $385.4M | $216.7M | $30.2M | $1.5M | 0.34% | 2.40% | 0.00% |
| Q3 2024 | $443.1M | $361.1M | $212.7M | $34.8M | $1.3M | 0.39% | 2.33% | 0.00% |
Loan mix (Q2 2026): real estate $195.4M · commercial $39.1M · consumer $10.5M · securities $159.9M
| Ratio | Security State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.56% | 1.24% | 15th | |
Return on equity Annualized net income ÷ equity or net worth | 6.4% | 11.9% | 19th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.19% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.2% | 62.9% | 83th |
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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