| Metric | Security State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +26.4% | +5.5% | +20.9 pts |
| Deposit growth (YoY) | +27.8% | +5.1% | +22.8 pts |
| Loan growth (YoY) | +3.2% | +5.9% | -2.7 pts |
| ROA | 1.37% | 1.26% | +0.1 pts |
| ROE | 13.9% | 12.2% | +1.8 pts |
ROA ranks in the 60th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.14B | $1.03B | $562.2M | $108.2M | $7.3M | 1.37% | 3.03% | 0.43% |
| Q1 2026 | $1.13B | $1.02B | $551.1M | $105.9M | $3.5M | 1.33% | 3.01% | 0.44% |
| Q4 2025 | $949.1M | $845.2M | $551.7M | $102.3M | $11.6M | 1.26% | 3.03% | 0.52% |
| Q3 2025 | $894.6M | $789.0M | $549.7M | $102.5M | $8.6M | 1.26% | 3.01% | 1.30% |
| Q2 2025 | $901.1M | $804.1M | $544.8M | $94.8M | $5.8M | 1.27% | 2.96% | 0.05% |
| Q1 2025 | $906.5M | $812.1M | $537.2M | $91.6M | $2.7M | 1.17% | 2.85% | 0.13% |
| Q4 2024 | $925.5M | $837.1M | $540.0M | $87.0M | $8.0M | 0.91% | 2.54% | 0.39% |
| Q3 2024 | $871.8M | $776.1M | $528.6M | $92.7M | $5.6M | 0.84% | 2.48% | 0.41% |
Loan mix (Q2 2026): real estate $511.2M · commercial $30.5M · consumer $6.2M · securities $323.4M
| Ratio | Security State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.37% | 1.26% | 60th | |
Return on equity Annualized net income ÷ equity or net worth | 13.9% | 12.2% | 65th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.03% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 46.1% | 59.0% | 14th |
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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