| Metric | Security State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.4% | +4.4% | -4.8 pts |
| Deposit growth (YoY) | -2.8% | +4.0% | -6.7 pts |
| Loan growth (YoY) | +8.8% | +5.6% | +3.2 pts |
| ROA | 2.67% | 1.24% | +1.4 pts |
| ROE | 13.2% | 11.9% | +1.4 pts |
ROA ranks in the 97th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $136.2M | $105.2M | $90.0M | $28.4M | $1.9M | 2.67% | 5.97% | 0.25% |
| Q1 2026 | $140.6M | $110.1M | $77.7M | $27.7M | $1.2M | 3.53% | 7.03% | 0.23% |
| Q4 2025 | $139.2M | $109.0M | $83.7M | $27.8M | $2.5M | 1.85% | 5.08% | 0.35% |
| Q3 2025 | $140.0M | $110.3M | $80.6M | $27.1M | $2.0M | 1.93% | 5.02% | 0.31% |
| Q2 2025 | $136.8M | $108.2M | $82.7M | $26.3M | $1.4M | 2.08% | 4.84% | 1.00% |
| Q1 2025 | $138.9M | $110.8M | $74.4M | $25.6M | $711K | 2.15% | 4.80% | 0.32% |
| Q4 2024 | $125.9M | $97.9M | $73.4M | $25.7M | $1.9M | 1.51% | 5.17% | 0.34% |
| Q3 2024 | $126.0M | $97.6M | $70.8M | $25.6M | $1.2M | 1.35% | 4.98% | 0.61% |
Loan mix (Q2 2026): real estate $64.2M · commercial $22.0M · consumer $2.3M · securities $28.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Security State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.67% | 1.24% | 97th | |
Return on equity Annualized net income ÷ equity or net worth | 13.2% | 11.9% | 58th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.97% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 43.9% | 62.9% | 7th |
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.