| Metric | Security State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.1% | +4.4% | -7.4 pts |
| Deposit growth (YoY) | -3.7% | +4.0% | -7.7 pts |
| Loan growth (YoY) | +3.0% | +5.6% | -2.6 pts |
| ROA | 1.07% | 1.24% | -0.2 pts |
| ROE | 13.0% | 11.9% | +1.1 pts |
ROA ranks in the 40th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $119.0M | $109.0M | $53.8M | $9.8M | $632K | 1.07% | 2.91% | 1.32% |
| Q1 2026 | $120.8M | $111.0M | $55.3M | $9.6M | $263K | 0.90% | 2.81% | 0.89% |
| Q4 2025 | $113.7M | $103.5M | $57.6M | $9.8M | $826K | 0.69% | 2.61% | 0.75% |
| Q3 2025 | $117.2M | $107.2M | $56.5M | $9.6M | $574K | 0.64% | 2.50% | 1.05% |
| Q2 2025 | $122.8M | $113.2M | $52.3M | $9.3M | $341K | 0.56% | 2.39% | 1.07% |
| Q1 2025 | $130.0M | $120.8M | $50.6M | $8.8M | $51K | 0.17% | 2.26% | 0.81% |
| Q4 2024 | $112.2M | $102.9M | $52.7M | $8.5M | $194K | 0.17% | 1.99% | 1.15% |
| Q3 2024 | $113.2M | $104.3M | $49.0M | $8.7M | $102K | 0.12% | 1.91% | 0.80% |
Loan mix (Q2 2026): real estate $23.1M · commercial $12.5M · consumer $8.1M · securities $40.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Security State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.07% | 1.24% | 40th | |
Return on equity Annualized net income ÷ equity or net worth | 13.0% | 11.9% | 57th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.91% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.1% | 62.9% | 53th |
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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