| Metric | Security State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.4% | +4.4% | +0.1 pts |
| Deposit growth (YoY) | +3.5% | +4.0% | -0.4 pts |
| Loan growth (YoY) | +11.4% | +5.6% | +5.8 pts |
| ROA | 2.14% | 1.24% | +0.9 pts |
| ROE | 21.0% | 11.9% | +9.1 pts |
ROA ranks in the 90th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $279.5M | $247.9M | $170.8M | $29.3M | $3.0M | 2.14% | 4.51% | 0.41% |
| Q1 2026 | $287.6M | $256.6M | $177.5M | $28.6M | $1.3M | 1.85% | 4.42% | 0.47% |
| Q4 2025 | $276.8M | $246.6M | $170.7M | $28.2M | $4.4M | 1.64% | 4.30% | 0.44% |
| Q3 2025 | $270.2M | $239.1M | $155.6M | $28.3M | $3.5M | 1.72% | 4.25% | 0.57% |
| Q2 2025 | $267.7M | $239.4M | $153.3M | $25.8M | $2.5M | 1.88% | 4.17% | 0.71% |
| Q1 2025 | $267.8M | $239.3M | $153.9M | $26.0M | $1.4M | 2.04% | 4.21% | 0.63% |
| Q4 2024 | $262.2M | $235.3M | $154.1M | $25.0M | $4.6M | 1.75% | 4.20% | 0.77% |
| Q3 2024 | $260.5M | $222.9M | $157.3M | $27.7M | $3.9M | 2.02% | 4.22% | 0.33% |
Loan mix (Q2 2026): real estate $86.8M · commercial $18.9M · consumer $8.6M · securities $81.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Security State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.14% | 1.24% | 90th | |
Return on equity Annualized net income ÷ equity or net worth | 21.0% | 11.9% | 90th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.51% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 48.0% | 62.9% | 13th |
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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