| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.4% | +3.0% | +2.4 pts |
| Deposit growth (YoY) | +4.2% | +2.5% | +1.7 pts |
| Loan growth (YoY) | -8.0% | +2.6% | -10.6 pts |
| ROA | 1.99% | 0.99% | +1.0 pts |
| ROE | 10.4% | 8.1% | +2.3 pts |
ROA ranks in the 89th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $64.8M | $52.2M | $16.8M | $12.3M | $623K | 1.99% | 4.32% | 0.00% |
| Q1 2026 | $61.8M | $49.5M | $18.7M | $12.0M | $312K | 2.03% | 4.41% | 0.00% |
| Q4 2025 | $61.1M | $49.0M | $19.8M | $11.7M | $1.3M | 2.22% | 4.70% | 0.00% |
| Q3 2025 | $59.8M | $48.0M | $18.3M | $11.3M | $938K | 2.10% | 4.70% | 0.00% |
| Q2 2025 | $61.5M | $50.1M | $18.2M | $11.0M | $680K | 2.29% | 4.66% | 0.01% |
| Q1 2025 | $58.6M | $47.7M | $17.1M | $10.7M | $330K | 2.27% | 4.70% | 0.00% |
| Q4 2024 | $57.9M | $47.3M | $17.3M | $10.4M | $1.1M | 1.80% | 4.45% | 0.00% |
| Q3 2024 | $58.5M | $47.8M | $16.8M | $10.2M | $824K | 1.86% | 4.35% | 0.01% |
Loan mix (Q2 2026): real estate $2.9M · commercial $3.8M · consumer $1.2M · securities $10.9M
| Ratio | The Security State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.99% | 0.99% | 89th | |
Return on equity Annualized net income ÷ equity or net worth | 10.4% | 8.1% | 65th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.32% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 36.3% | 70.8% | 2th |
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 | The 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 | The 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 | The 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 | The 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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