Charleston, MO · Cert 1426 · Security State Bancshares Inc.
State charter, non-member · FDIC · 11 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 under $1B in assets operating regionally (n=94). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
64
Asset Quality
33
Profitability
63
Liquidity
0
Efficiency
45
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.
Charleston, MO · Cert 1426 · Security State Bancshares Inc.
State charter, non-member · FDIC · 11 branches
Q2 2026
Market Position · Jonesboro, AR · 2026 SOD (annual) · 3.1% share · #13 of 25 inst. · $0.1B of $4.7B
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 | 1.09% | 1.12% | 1.17% | 1.11% | 1.20% | 1.24% | 1.18% | 1.31% | +20 bps | |
| Return on Equity | 9.63% | 9.91% | 10.22% | 9.72% | 10.47% | 10.78% | 10.15% | 11.11% | +139 bps | |
| Net Interest Margin | 3.81% | 3.81% | 4.09% | 4.11% | 4.10% | 4.08% | 4.10% | 4.30% | +19 bps | |
| Efficiency Ratio | 67.21% | 66.68% | 66.42% | 66.81% | 65.63% | 64.24% | 65.47% | 64.45% | -237 bps | |
| Non-Interest Burden | 2.34% | 2.32% | 2.52% | 2.55% | 2.47% | 2.37% | 2.45% | 2.51% | -4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.33% | 1.39% | 2.55% | 4.32% | 2.91% | 6.22% | 5.13% | -0.10% | -442 bps | |
| Loan Growth (YoY) | 3.19% | 1.69% | 2.67% | 3.80% | 2.63% | 6.06% | 1.29% | 0.18% | -362 bps | |
| Deposit Growth (YoY) | 2.26% | 2.94% | 4.48% | 5.16% | 4.08% | 3.91% | 3.54% | 4.30% | -86 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.12% | 0.21% | 0.21% | 0.24% | 0.25% | 0.26% | 0.46% | 0.85% | +61 bps | |
| Net Charge-Offs / Loans | 0.08% | 0.07% | 0.05% | 0.07% | 0.06% | 0.05% | 0.05% | 0.05% | -2 bps | |
| Allowance / Loans | 1.04% | 1.07% | 1.07% | 1.09% | 1.08% | 1.14% | 1.22% | 1.21% | +12 bps | |
| Allowance Coverage of NPLs | 9.0x | 5.2x | 5.0x | 4.5x | 4.3x | 4.4x | 2.7x | 1.4x | -3.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.04% | 12.09% | 12.19% | 12.24% | 12.26% | 12.34% | 12.01% | 12.61% | +38 bps | |
| Total Risk-Based Capital | 12.04% | 12.09% | 12.19% | 12.24% | 12.26% | 12.34% | 12.01% | 12.61% | +38 bps | |
| Equity / Assets | 11.35% | 11.46% | 11.37% | 11.46% | 11.70% | 11.74% | 11.50% | 12.12% | +66 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 112.29% | 107.70% | 103.92% | 109.20% | 110.72% | 109.93% | 101.67% | 104.89% | -432 bps | |
| Liquid Assets / Assets | 1.39% | 0.96% | 2.12% | 2.38% | 1.54% | 1.49% | 6.28% | 2.38% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 195.01% | 203% | 201% | n/a | n/a | |
Charleston, MO · Cert 1426 · Peer group: banks under $1B in assets operating regionally (n=94) · Security State Bancshares Inc.
State charter, non-member · FDIC · 11 branches
Q2 2026
Return on Assets
1.34%
Rank 32 of 94
Net Interest Margin
4.30%
Rank 19 of 94
Efficiency Ratio
64.45%
Rank 53 of 94
Equity / Assets
12.12%
Rank 15 of 94
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.34% | 0.82% | 1.19% | 1.46% | Beats 66% | 32 / 94 | ||
| Return on Equity | 11.04% | 7.85% | 11.84% | 14.03% | Beats 44% | 53 / 94 | ||
| Net Interest Margin | 4.30% | 3.42% | 3.81% | 4.18% | Beats 80% | 19 / 94 | ||
| Efficiency Ratio | 64.45% | 55.99% | 62.41% | 73.02% | Beats 45% | 53 / 94 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.85% | 0.19% | 0.47% | 1.14% | Beats 32% | 65 / 94 | ||
| Net Charge-Offs / Loans | 0.04% | 0.00% | 0.02% | 0.05% | Beats 33% | 64 / 94 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.61% | 10.28% | 11.95% | 15.07% | Beats 56% | 41 / 94 | ||
| Total Risk-Based Capital Ratio | 12.61% | 10.31% | 12.59% | 15.88% | Beats 51% | 46 / 94 | ||
| Equity / Assets | 12.12% | 8.98% | 10.21% | 11.41% | Beats 84% | 15 / 94 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 104.89% | 72.62% | 84.44% | 94.55% | 93rd pctl | 7 / 94 | ||
| Loans / Assets | 83.47% | 62.50% | 72.84% | 78.99% | 84th pctl | 15 / 94 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||