Gowrie, IA · Cert 14208 · Security Financial Inc.
State charter, Fed member · FED · 8 branches
Q2 2026
Market Position · Ames, IA · 2026 SOD (annual) · 0.3% share · #24 of 26 inst. · $0.0B of $3.8B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.25% | 1.30% | 1.44% | 1.46% | 1.49% | 1.51% | 1.77% | 1.82% | +35 bps | |
| Return on Equity | 10.72% | 10.91% | 11.32% | 11.39% | 11.23% | 11.23% | 12.62% | 12.74% | +135 bps | |
| Net Interest Margin | 3.79% | 3.79% | 3.96% | 4.00% | 4.20% | 4.07% | 4.29% | 4.38% | +37 bps | |
| Efficiency Ratio | 55.27% | 55.19% | 54.53% | 53.90% | 53.82% | 54.03% | 50.24% | 49.47% | -443 bps | |
| Non-Interest Burden | 1.99% | 1.97% | 2.02% | 2.01% | 2.10% | 2.03% | 1.94% | 1.95% | -6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.09% | -6.67% | -3.19% | -0.63% | -4.50% | 2.92% | 3.74% | 1.31% | +193 bps | |
| Loan Growth (YoY) | 6.88% | 1.44% | 0.02% | 1.06% | 2.41% | 5.56% | 13.73% | 12.69% | +1,164 bps | |
| Deposit Growth (YoY) | -5.00% | -4.62% | -1.28% | -2.07% | -2.83% | 1.30% | 1.77% | -1.07% | +100 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.02% | 0.04% | 0.02% | 0.05% | 0.01% | 0.04% | 0.05% | 0.04% | -1 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.01% | 0.06% | 0.03% | 0.02% | 0.07% | 0.00% | -0.01% | -3 bps | |
| Allowance / Loans | 1.57% | 1.62% | 1.65% | 1.67% | 1.65% | 1.60% | 1.52% | 1.56% | -11 bps | |
| Allowance Coverage of NPLs | 70.7x | 39.6x | 66.2x | 35.5x | 147.3x | 39.7x | 32.7x | 38.6x | +3.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.32% | 11.36% | 11.67% | 11.75% | 13.10% | 12.72% | 12.98% | 13.17% | +142 bps | |
| Total Risk-Based Capital | 15.09% | 15.32% | 15.72% | 15.94% | 16.62% | 16.34% | 16.01% | 16.40% | +47 bps | |
| Equity / Assets | 12.59% | 12.62% | 12.78% | 13.11% | 14.68% | 14.11% | 13.99% | 14.66% | +155 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.15% | 80.52% | 78.48% | 79.67% | 88.69% | 83.91% | 87.70% | 90.75% | +1,108 bps | |
| Liquid Assets / Assets | 1.08% | 0.98% | 1.19% | 1.38% | 1.40% | 1.36% | 1.23% | 0.97% | -41 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 44.23% | 46.90% | 47.26% | n/a | n/a | |