Security State Bank
Basin, WY · Cert 12592 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Financial Security Corp.
State charter, Fed member · FED · 5 branches
Q2 2026
$449.1MAssets
$260.5MLoans
$380.1MDeposits
$38.6MEquity
Executive Summary
- Strongest standing: total risk-based capital ratio outperforms 71% of banks under $1B in assets operating in a single state (rank 218 of 746).
- Widest gap: net interest margin trails 85% of banks under $1B in assets operating in a single state (rank 632 of 746).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.55%
Rank 622 of 746
Net Interest Margin
2.93%
Rank 632 of 746
Efficiency Ratio
78.23%
Rank 592 of 746
Equity / Assets
8.60%
Rank 590 of 746
Non-interest income vs. expense
Unfavorable gap of $9.8M · efficiency ratio beats 21% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.55% | 0.72% | 1.06% | 1.45% | Beats 17% | 622 / 746 | |
| Return on Equity | 6.35% | 6.74% | 10.51% | 13.63% | Beats 23% | 574 / 746 | |
| Net Interest Margin | 2.93% | 3.17% | 3.68% | 4.16% | Beats 15% | 632 / 746 | |
| Efficiency Ratio | 78.23% | 55.74% | 64.58% | 75.47% | Beats 21% | 592 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.22% | 0.09% | 0.42% | 1.07% | Beats 65% | 265 / 743 | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.05% | Beats 46% | 404 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 16.19% | 11.55% | 13.75% | 17.60% | Beats 69% | 233 / 746 | |
| Total Risk-Based Capital Ratio | 17.37% | 11.71% | 14.33% | 18.43% | Beats 71% | 218 / 746 | |
| Equity / Assets | 8.60% | 8.90% | 10.51% | 13.06% | Beats 21% | 590 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 68.56% | 61.31% | 78.27% | 90.78% | 33rd pctl | 497 / 746 | |
| Loans / Assets | 58.01% | 53.60% | 66.97% | 76.08% | 32nd pctl | 507 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |