Security Financial Bank
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
$1.0BAssets
$758.0MLoans
$827.5MDeposits
$99.2MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 65% of banks $1B-$10B in assets operating in a single state (rank 91 of 257).
- Widest gap: nonperforming loans / loans trails 86% of banks $1B-$10B in assets operating in a single state (rank 223 of 258).
- Overall: at or above the peer median on 4 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $18.8M · efficiency ratio beats 65% of banks $1B-$10B in assets operating in a single state | 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 |