| Metric | Security State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.9% | +4.4% | +0.5 pts |
| Deposit growth (YoY) | +3.6% | +4.0% | -0.3 pts |
| Loan growth (YoY) | +15.6% | +5.6% | +10.1 pts |
| ROA | 2.86% | 1.24% | +1.6 pts |
| ROE | 20.9% | 11.9% | +9.1 pts |
ROA ranks in the 98th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $338.0M | $288.3M | $265.4M | $48.5M | $4.8M | 2.86% | 4.21% | 1.18% |
| Q1 2026 | $336.0M | $288.3M | $266.6M | $46.8M | $3.1M | 3.62% | 4.16% | 0.02% |
| Q4 2025 | $344.0M | $299.7M | $262.2M | $43.7M | $6.9M | 2.14% | 4.20% | 0.02% |
| Q3 2025 | $331.1M | $284.7M | $234.0M | $45.2M | $6.6M | 2.77% | 4.12% | 0.02% |
| Q2 2025 | $322.3M | $278.2M | $229.5M | $43.1M | $4.6M | 2.90% | 4.08% | 0.07% |
| Q1 2025 | $314.6M | $272.5M | $227.4M | $41.3M | $2.8M | 3.58% | 4.00% | 1.61% |
| Q4 2024 | $310.8M | $271.8M | $218.3M | $38.5M | $6.0M | 2.07% | 4.06% | 1.62% |
| Q3 2024 | $293.6M | $252.6M | $187.7M | $39.9M | $5.6M | 2.61% | 4.05% | 1.76% |
Loan mix (Q2 2026): real estate $149.9M · commercial $87.4M · consumer $2.4M · securities $24.5M
| Ratio | Security State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.86% | 1.24% | 98th | |
Return on equity Annualized net income ÷ equity or net worth | 20.9% | 11.9% | 90th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.21% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 35.1% | 62.9% | 1th |
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% |
The full ratio pack is part of CharterBench Pro.