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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.06% | 1.39% | 1.35% | 1.18% | 1.43% | +38 bps | |
| Return on Equity | 9.26% | 11.97% | 11.54% | 10.15% | 12.13% | +287 bps | |
| Net Interest Margin | 4.17% | 4.24% | 4.21% | 4.10% | 4.37% | +19 bps | |
| Efficiency Ratio | 67.20% | 63.45% | 60.44% | 65.47% | 63.47% | -374 bps | |
| Non-Interest Burden | 2.62% | 2.41% | 2.18% | 2.45% | 2.49% | -13 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.32% | 2.91% | 6.22% | 5.13% | -0.10% | -442 bps | |
| Loan Growth (YoY) | 3.80% | 2.63% | 6.06% | 1.29% | 0.18% | -362 bps | |
| Deposit Growth (YoY) | 5.16% | 4.08% | 3.91% | 3.54% | 4.30% | -86 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.24% | 0.25% | 0.26% | 0.46% | 0.85% | +61 bps | |
| Net Charge-Offs / Loans | 0.09% | 0.03% | 0.04% | 0.05% | 0.06% | -3 bps | |
| Allowance / Loans | 1.09% | 1.08% | 1.14% | 1.22% | 1.21% | +12 bps | |
| Allowance Coverage of NPLs | 4.5x | 4.3x | 4.4x | 2.7x | 1.4x | -3.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.24% | 12.26% | 12.34% | 12.01% | 12.61% | +38 bps | |
| Total Risk-Based Capital | 12.24% | 12.26% | 12.34% | 12.01% | 12.61% | +38 bps | |
| Equity / Assets | 11.46% | 11.70% | 11.74% | 11.50% | 12.12% | +66 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 109.20% | 110.72% | 109.93% | 101.67% | 104.89% | -432 bps | |
| Liquid Assets / Assets | 2.38% | 1.54% | 1.49% | 6.28% | 2.38% | 0 bps | |
| CRE / Total Capital | n/a | 195.01% | 203% | 201% | n/a | n/a | |