| Metric | Security State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.1% | +5.5% | +1.6 pts |
| Deposit growth (YoY) | -6.2% | +5.1% | -11.3 pts |
| Loan growth (YoY) | +1.6% | +6.0% | -4.4 pts |
| ROA | 1.39% | 1.26% | +0.1 pts |
| ROE | 12.9% | 12.2% | +0.7 pts |
ROA ranks in the 62nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.03B | $727.9M | $753.7M | $111.5M | $7.1M | 1.39% | 3.61% | 0.19% |
| Q1 2026 | $1.01B | $739.2M | $751.8M | $109.6M | $3.5M | 1.39% | 3.56% | 0.25% |
| Q4 2025 | $999.1M | $798.3M | $756.8M | $107.5M | $12.0M | 1.23% | 3.39% | 0.26% |
| Q3 2025 | $984.3M | $759.5M | $746.3M | $106.8M | $8.3M | 1.15% | 3.35% | 0.21% |
| Q2 2025 | $965.5M | $776.1M | $742.0M | $102.0M | $5.0M | 1.05% | 3.30% | 0.21% |
| Q1 2025 | $979.3M | $776.9M | $744.4M | $100.5M | $2.3M | 0.98% | 3.22% | 0.03% |
| Q4 2024 | $929.8M | $691.4M | $708.3M | $95.3M | $6.0M | 0.82% | 3.25% | 0.02% |
| Q3 2024 | $894.3M | $650.3M | $666.8M | $97.9M | $4.2M | 0.80% | 3.15% | 0.10% |
Loan mix (Q2 2026): real estate $453.6M · commercial $122.1M · consumer $24.5M · securities $203.8M
| Ratio | Security State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.39% | 1.26% | 62nd | |
Return on equity Annualized net income ÷ equity or net worth | 12.9% | 12.2% | 55th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.61% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 46.8% | 59.0% | 16th |
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 |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 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.
5 branches in 4 counties across 1 state (+1 vs 2025) · $727.9M branch deposits. Biggest market: Scott, KS, ranked 1st with 68.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Scott, KS | 1 | $452.9M | 68.63% | 1st |
| Finney, KS | 2 | $146.8M | 11.23% | 5th |
| Hamilton, KS | 1 | $79.5M | 33.90% | 2nd |
| 1 more county with Pro → | ||||
Kansas: 36th with 0.61% ·
Branch count: 2022 2 · 2023 2 · 2024 4 · 2025 4 · 2026 5
Technology spend in line with peers (12 bps of assets, 2025). Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).