Durand, WI · Cert 14222 · Security Finl Services Corp.
State charter, Fed member · FED · 8 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets operating in a single state (n=257 to 258). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
36
Asset Quality
30
Profitability
57
Liquidity
70
Efficiency
65
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Durand, WI · Cert 14222 · Security Finl Services Corp.
State charter, Fed member · FED · 8 branches
Q2 2026
Market Position · Eau Claire, WI · 2026 SOD (annual) · 6.6% share · #7 of 22 inst. · $0.2B of $3.7B
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 | 0.62% | 0.68% | 0.95% | 1.00% | 1.06% | 1.11% | 1.26% | 1.28% | +28 bps | |
| Return on Equity | 7.69% | 8.36% | 11.02% | 11.54% | 12.03% | 12.41% | 13.50% | 13.68% | +213 bps | |
| Net Interest Margin | 2.55% | 2.62% | 3.08% | 3.17% | 3.17% | 3.22% | 3.51% | 3.54% | +37 bps | |
| Efficiency Ratio | 67.13% | 67.17% | 61.29% | 58.30% | 57.95% | 57.69% | 54.16% | 54.49% | -381 bps | |
| Non-Interest Burden | 1.60% | 1.65% | 1.77% | 1.71% | 1.70% | 1.72% | 1.77% | 1.79% | +8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.77% | 7.60% | 5.34% | 6.22% | 3.11% | 7.89% | 5.26% | 5.98% | -25 bps | |
| Loan Growth (YoY) | 13.56% | 8.07% | 7.40% | 7.29% | 7.64% | 9.85% | 8.48% | 8.07% | +78 bps | |
| Deposit Growth (YoY) | 4.01% | 6.11% | 7.65% | 10.59% | 5.81% | 7.19% | 2.67% | 2.56% | -803 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.37% | 0.19% | 0.16% | 1.19% | 1.61% | 1.52% | 1.54% | 1.44% | +24 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.06% | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | 0.05% | +5 bps | |
| Allowance / Loans | 1.51% | 1.43% | 1.43% | 1.43% | 1.44% | 1.43% | 1.45% | 1.44% | +1 bps | |
| Allowance Coverage of NPLs | 4.1x | 7.5x | 9.2x | 1.2x | 0.9x | 0.9x | 0.9x | 1.0x | -0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.16% | 9.26% | 9.38% | 9.48% | 9.27% | 9.51% | 9.48% | 9.67% | +19 bps | |
| Total Risk-Based Capital | 13.09% | 13.26% | 13.04% | 13.08% | 12.90% | 13.00% | 12.96% | 13.23% | +15 bps | |
| Equity / Assets | 8.73% | 8.49% | 8.67% | 8.92% | 9.22% | 9.39% | 9.27% | 9.53% | +61 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.42% | 85.64% | 85.48% | 86.92% | 87.91% | 87.76% | 90.31% | 91.60% | +467 bps | |
| Liquid Assets / Assets | 1.12% | 0.68% | 0.18% | 0.49% | 0.40% | 1.93% | 0.71% | 0.30% | -18 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 288% | 289% | 289% | n/a | n/a | |
Durand, WI · Cert 14222 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Security Finl Services Corp.
State charter, Fed member · FED · 8 branches
Q2 2026
Return on Assets
1.27%
Rank 118 of 258
Net Interest Margin
3.54%
Rank 117 of 258
Efficiency Ratio
54.91%
Rank 91 of 257
Equity / Assets
9.53%
Rank 170 of 258
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.27% | 0.93% | 1.23% | 1.54% | Beats 54% | 118 / 258 | ||
| Return on Equity | 13.35% | 9.26% | 11.84% | 14.74% | Beats 63% | 96 / 258 | ||
| Net Interest Margin | 3.54% | 3.16% | 3.49% | 3.88% | Beats 55% | 117 / 258 | ||
| Efficiency Ratio | 54.91% | 51.71% | 60.30% | 69.65% | Beats 65% | 91 / 257 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.44% | 0.19% | 0.46% | 0.90% | Beats 14% | 223 / 258 | ||
| Net Charge-Offs / Loans | 0.03% | 0.01% | 0.02% | 0.07% | Beats 45% | 144 / 258 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.98% | 11.41% | 12.98% | 15.12% | Beats 33% | 174 / 258 | ||
| Total Risk-Based Capital Ratio | 13.23% | 12.10% | 13.91% | 16.08% | Beats 40% | 156 / 258 | ||
| Equity / Assets | 9.53% | 9.09% | 10.24% | 11.72% | Beats 34% | 170 / 258 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 91.60% | 73.24% | 86.34% | 95.95% | 65th pctl | 90 / 258 | ||
| Loans / Assets | 72.83% | 63.01% | 72.27% | 78.40% | 52nd pctl | 124 / 258 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||