Security Savings Bank
Gowrie, IA · Cert 14208 · Peer group: banks under $1B in assets in IA (n=134-135) · Security Financial Inc.
State charter, Fed member · FED · 8 branches
Q2 2026
$193.7MAssets
$146.2MLoans
$161.1MDeposits
$28.4MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 96% of banks under $1B in assets in IA (rank 6 of 135).
- Widest gap: net charge-offs / loans trails 52% of banks under $1B in assets in IA (rank 71 of 134).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
1.83%
Rank 9 of 135
Net Interest Margin
4.38%
Rank 6 of 135
Efficiency Ratio
50.61%
Rank 34 of 135
Equity / Assets
14.66%
Rank 24 of 135
Non-interest income vs. expense
Unfavorable gap of $3.8M · efficiency ratio beats 76% of banks under $1B in assets in IA | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.83% | 0.92% | 1.19% | 1.47% | Beats 93% | 9 / 135 | | |
| Return on Equity | 12.50% | 7.99% | 10.26% | 13.14% | Beats 68% | 43 / 135 | | |
| Net Interest Margin | 4.38% | 2.95% | 3.41% | 3.73% | Beats 96% | 6 / 135 | | |
| Efficiency Ratio | 50.61% | 50.61% | 57.35% | 63.29% | Beats 76% | 34 / 135 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.04% | 0.03% | 0.51% | 1.26% | Beats 72% | 38 / 134 | | |
| Net Charge-Offs / Loans | 0.01% | n/a | 0.01% | 0.03% | Beats 48% | 71 / 134 | | |
| Capital |
| Tier 1 Capital Ratio | 15.15% | 11.23% | 13.31% | 15.45% | Beats 70% | 40 / 135 | | |
| Total Risk-Based Capital Ratio | 16.40% | 11.61% | 14.06% | 16.47% | Beats 73% | 36 / 135 | | |
| Equity / Assets | 14.66% | 9.87% | 11.05% | 13.07% | Beats 82% | 24 / 135 | | |
| Liquidity & Funding |
| Loans / Deposits | 90.75% | 68.54% | 81.55% | 91.24% | 71st pctl | 39 / 134 | | |
| Loans / Assets | 75.47% | 57.61% | 68.06% | 76.23% | 73rd pctl | 37 / 135 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |