| Metric | Security State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.7% | +4.4% | +3.3 pts |
| Deposit growth (YoY) | +9.6% | +4.0% | +5.7 pts |
| Loan growth (YoY) | +6.4% | +5.6% | +0.8 pts |
| ROA | 2.63% | 1.24% | +1.4 pts |
| ROE | 24.2% | 11.9% | +12.4 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 | $492.3M | $337.3M | $445.3M | $54.5M | $6.4M | 2.63% | 4.22% | 0.34% |
| Q1 2026 | $485.3M | $337.2M | $439.4M | $52.4M | $3.2M | 2.64% | 4.18% | 0.32% |
| Q4 2025 | $480.8M | $330.7M | $432.8M | $51.6M | $11.5M | 2.50% | 4.03% | 0.36% |
| Q3 2025 | $457.7M | $303.1M | $413.1M | $49.1M | $8.3M | 2.44% | 4.00% | 0.31% |
| Q2 2025 | $457.2M | $307.7M | $418.6M | $47.0M | $5.4M | 2.41% | 3.92% | 0.22% |
| Q1 2025 | $457.2M | $312.0M | $412.5M | $44.7M | $2.6M | 2.36% | 3.86% | 0.21% |
| Q4 2024 | $433.5M | $302.5M | $391.1M | $43.6M | $8.5M | 2.08% | 3.52% | 0.15% |
| Q3 2024 | $416.4M | $282.3M | $377.9M | $41.7M | $6.0M | 2.01% | 3.42% | 0.14% |
Loan mix (Q2 2026): real estate $225.7M · commercial $68.4M · consumer $11.3M · securities $1.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Security State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.63% | 1.24% | 97th | |
Return on equity Annualized net income ÷ equity or net worth | 24.2% | 11.9% | 95th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.22% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 28.2% | 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% |
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