Security State Bank
Wellington, KS · Cert 12422 · Peer group: banks under $1B in assets in the Wichita, KS area (n=20) · SSB Holdings Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
$55.1MAssets
$18.2MLoans
$47.7MDeposits
$7.2MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 80% of banks under $1B in assets in the Wichita, KS area (rank 4 of 20).
- Widest gap: nonperforming loans / loans trails 85% of banks under $1B in assets in the Wichita, KS area (rank 18 of 20).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.93%
Rank 12 of 20
Net Interest Margin
3.58%
Rank 16 of 20
Efficiency Ratio
69.64%
Rank 14 of 20
Equity / Assets
13.00%
Rank 4 of 20
Non-interest income vs. expense
Unfavorable gap of $1.3M · efficiency ratio beats 35% of banks under $1B in assets in the Wichita, KS area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.93% | 0.80% | 1.20% | 1.35% | Beats 40% | 12 / 20 | | |
| Return on Equity | 7.17% | 9.43% | 12.85% | 15.78% | Beats 20% | 16 / 20 | | |
| Net Interest Margin | 3.58% | 3.71% | 4.04% | 4.23% | Beats 20% | 16 / 20 | | |
| Efficiency Ratio | 69.64% | 59.34% | 65.86% | 71.92% | Beats 35% | 14 / 20 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.44% | 0.06% | 0.64% | 1.17% | Beats 15% | 18 / 20 | | |
| Net Charge-Offs / Loans | 0.20% | n/a | 0.02% | 0.09% | Beats 20% | 17 / 20 | | |
| Capital |
| Tier 1 Capital Ratio | 15.56% | 11.10% | 11.73% | 15.56% | Beats 75% | 5 / 20 | | |
| Total Risk-Based Capital Ratio | 15.56% | 11.80% | 12.57% | 16.49% | Beats 65% | 7 / 20 | | |
| Equity / Assets | 13.00% | 8.39% | 8.81% | 11.24% | Beats 80% | 4 / 20 | | |
| Liquidity & Funding |
| Loans / Deposits | 38.17% | 62.67% | 77.26% | 93.25% | 10th pctl | 18 / 20 | | |
| Loans / Assets | 33.03% | 54.38% | 67.74% | 81.71% | 10th pctl | 18 / 20 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |