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Security State Bank, The

Emery, SD · Cert 15749 · Emery Security Bcorp Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

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.

Peer group

Banks under $1B in assets operating in a single state (n=751 to 755). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

96

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

71

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

98

Q2 2024Q2 2026peer median (50)

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.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Security State Bank, The

Emery, SD · Cert 15749 · Emery Security Bcorp Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$64.8MAssets
$16.9MLoans
$52.2MDeposits
$12.3MEquity
Loan mix
37%RE $3.2M49%C&I $4.3M14%Consumer $1.2MQ2 2025Q2 2026
Deposit mix
70%Interest-bearing $36.6M30%Noninterest $15.6MQ2 2025Q2 2026

NIM

4.96%Q2 ’245.41%Q2 ’255.05%Q2 ’26+11%-7%

Non-interest income vs. expense

1.49%Q2 ’241.43%Q2 ’251.52%Q2 ’26-4%+6%

Market Position · Sioux Falls, SD-MN · 2026 SOD (annual) · 0.0% share · #40 of 42 inst. · $0.0B of $1127.8B

30.0% Hanson
9.7% McCook

Executive Summary

  • Earnings: ROA of 1.99%, down 30 bps year over year; NIM at 4.16%.
  • Asset quality: problem loans at 0.00% of loans (-2 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 19.51%, up 104 bps from a year ago.
  • Funding: loans stand at 32.44% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.99%-30 bps YoY

Net Interest Margin (YTD, annualized)

4.16%-33 bps YoY

Efficiency Ratio (YTD, annualized)

36.30%+456 bps YoY

Tier 1 Leverage Ratio

19.51%+104 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.29%2.10%2.22%2.03%1.99%-30 bps
Return on Equity12.73%11.54%12.06%10.55%10.41%-232 bps
Net Interest Margin4.49%4.51%4.42%4.28%4.16%-33 bps
Efficiency Ratio31.74%32.70%36.09%36.47%36.30%+456 bps
Non-Interest Burden1.41%1.42%1.55%1.55%1.50%+9 bps
Growth
Asset Growth (YoY)2.14%2.17%5.49%5.36%5.38%+324 bps
Loan Growth (YoY)7.85%8.99%13.99%9.24%-7.91%-1,576 bps
Deposit Growth (YoY)0.17%0.35%3.69%3.71%4.20%+402 bps
Asset Quality
Nonperforming Loans / Loans0.02%0.00%0.00%0.00%0.00%-2 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.94%0.94%0.87%0.92%1.02%+8 bps
Allowance Coverage of NPLs43.3xn/an/an/an/an/a
Capital
Tier 1 Leverage Ratio18.47%18.82%18.97%19.55%19.51%+104 bps
Total Risk-Based Capital38.82%39.84%39.61%41.66%43.97%+516 bps
Equity / Assets17.93%18.90%19.13%19.37%18.93%+99 bps
Liquidity & Funding
Loans / Deposits36.71%38.54%40.70%38.07%32.44%-427 bps
Liquid Assets / Assets46.14%46.45%44.61%45.69%50.53%+439 bps
CRE / Total Capitaln/a2.23%2.12%2.03%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Security State Bank, The

Emery, SD · Cert 15749 · Peer group: banks under $1B in assets operating in a single state (n=751-755) · Emery Security Bcorp Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$64.8MAssets
$16.9MLoans
$52.2MDeposits
$12.3MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 108 of 751).
  • Widest gap: return on equity trails 52% of banks under $1B in assets operating in a single state (rank 393 of 755).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

1.92%

Rank 60 of 755

Net Interest Margin

4.16%

Rank 196 of 755

Efficiency Ratio

36.30%

Rank 16 of 755

Equity / Assets

18.93%

Rank 46 of 755

Non-interest income vs. expense

$14K$954KINCOMEEXPENSE
Unfavorable gap of $940K · efficiency ratio beats 98% of banks under $1B in assets operating in a single state
Bank 36.30%Peer median 64.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.92%0.72%1.06%1.45%Beats 92%60 / 755
Return on Equity10.16%6.66%10.44%13.61%Beats 48%393 / 755
Net Interest Margin4.16%3.15%3.68%4.17%Beats 74%196 / 755
Efficiency Ratio36.30%55.75%64.78%75.61%Beats 98%16 / 755
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.42%1.05%Beats 100%108 / 751
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 100%185 / 751
Capital
Tier 1 Capital Ratio43.35%11.56%13.81%17.74%Beats 97%19 / 755
Total Risk-Based Capital Ratio43.97%11.72%14.46%18.53%Beats 97%19 / 755
Equity / Assets18.93%8.93%10.56%13.13%Beats 94%46 / 755
Liquidity & Funding
Loans / Deposits32.44%62.43%78.62%91.00%2nd pctl739 / 755
Loans / Assets26.13%54.70%67.27%76.55%2nd pctl740 / 755
Brokered Deposits / Depositsn/aNot reported for this institution