| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.0% | +3.0% | +5.0 pts |
| Deposit growth (YoY) | +7.6% | +2.5% | +5.1 pts |
| Loan growth (YoY) | -12.8% | +2.6% | -15.4 pts |
| ROA | 1.13% | 0.99% | +0.1 pts |
| ROE | 8.9% | 8.1% | +0.8 pts |
ROA ranks in the 58th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $55.1M | $47.7M | $17.7M | $7.2M | $315K | 1.13% | 3.75% | 0.48% |
| Q1 2026 | $55.3M | $48.0M | $19.4M | $7.1M | $166K | 1.19% | 3.74% | 0.48% |
| Q4 2025 | $56.3M | $49.1M | $20.1M | $7.0M | $423K | 0.79% | 3.81% | 0.49% |
| Q3 2025 | $56.7M | $49.3M | $20.9M | $7.0M | $350K | 0.89% | 3.77% | 1.28% |
| Q2 2025 | $51.0M | $44.3M | $20.2M | $6.4M | $200K | 0.78% | 3.78% | 0.82% |
| Q1 2025 | $51.7M | $45.2M | $20.3M | $6.3M | $63K | 0.49% | 3.74% | 0.90% |
| Q4 2024 | $50.8M | $44.7M | $18.4M | $5.9M | $173K | 0.33% | 3.46% | 0.94% |
| Q3 2024 | $50.7M | $43.9M | $19.2M | $6.6M | $125K | 0.32% | 3.45% | 0.95% |
Loan mix (Q2 2026): real estate $13.3M · commercial $2.0M · consumer $366K · securities $18.6M
| Ratio | The Security State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.13% | 0.99% | 58th | |
Return on equity Annualized net income ÷ equity or net worth | 8.9% | 8.1% | 55th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.75% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.6% | 70.8% | 47th |
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 |
|---|---|---|---|---|
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 | 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% |
The full ratio pack is part of CharterBench Pro.
1 branches in 1 county across 1 state (+0 vs 2025) · $47.7M branch deposits. Biggest market: Sumner, KS, ranked 7th with 6.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Sumner, KS | 1 | $47.7M | 6.76% | 7th |
Kansas: 227th with 0.04% · Wichita metro: 49th, 0.18% ·
Branch count: 2022 2 · 2023 2 · 2024 1 · 2025 1 · 2026 1
Technology spend in line with peers (23 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).