Emery, SD · Cert 15749 · Emery Security Bcorp Inc.
State charter, non-member · FDIC · 2 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 in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
97
Asset Quality
100
Profitability
72
Liquidity
0
Efficiency
99
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.
Emery, SD · Cert 15749 · Emery Security Bcorp Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Sioux Falls, SD-MN · 2026 SOD (annual) · 0.0% share · #40 of 42 inst. · $0.0B of $1127.8B
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 | 1.86% | 1.80% | 2.27% | 2.29% | 2.10% | 2.22% | 2.03% | 1.99% | -30 bps | |
| Return on Equity | 11.32% | 10.78% | 12.55% | 12.73% | 11.54% | 12.06% | 10.55% | 10.41% | -232 bps | |
| Net Interest Margin | 4.25% | 4.32% | 4.55% | 4.49% | 4.51% | 4.42% | 4.28% | 4.16% | -33 bps | |
| Efficiency Ratio | 35.22% | 44.25% | 33.83% | 31.74% | 32.70% | 36.09% | 36.47% | 36.30% | +456 bps | |
| Non-Interest Burden | 1.49% | 1.89% | 1.52% | 1.41% | 1.42% | 1.55% | 1.55% | 1.50% | +9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.75% | -2.15% | 0.21% | 2.14% | 2.17% | 5.49% | 5.36% | 5.38% | +324 bps | |
| Loan Growth (YoY) | 11.36% | 19.79% | 7.85% | 7.85% | 8.99% | 13.99% | 9.24% | -7.91% | -1,576 bps | |
| Deposit Growth (YoY) | -4.97% | -4.67% | -2.03% | 0.17% | 0.35% | 3.69% | 3.71% | 4.20% | +402 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.02% | 0.00% | 0.00% | 0.02% | 0.00% | 0.00% | 0.00% | 0.00% | -2 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.02% | 0.99% | 1.00% | 0.94% | 0.94% | 0.87% | 0.92% | 1.02% | +8 bps | |
| Allowance Coverage of NPLs | 43.3x | n/a | n/a | 43.3x | n/a | n/a | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 17.47% | 17.83% | 18.31% | 18.47% | 18.82% | 18.97% | 19.55% | 19.51% | +104 bps | |
| Total Risk-Based Capital | 41.76% | 38.52% | 39.74% | 38.82% | 39.84% | 39.61% | 41.66% | 43.97% | +516 bps | |
| Equity / Assets | 17.43% | 17.92% | 18.17% | 17.93% | 18.90% | 19.13% | 19.37% | 18.93% | +99 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 35.49% | 37.02% | 36.14% | 36.71% | 38.54% | 40.70% | 38.07% | 32.44% | -427 bps | |
| Liquid Assets / Assets | 53.07% | 44.13% | 42.83% | 46.14% | 46.45% | 44.61% | 45.69% | 50.53% | +439 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 2.23% | 2.12% | 2.03% | n/a | n/a | |
Emery, SD · Cert 15749 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Emery Security Bcorp Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Return on Assets
1.92%
Rank 55 of 746
Net Interest Margin
4.16%
Rank 190 of 746
Efficiency Ratio
36.30%
Rank 11 of 746
Equity / Assets
18.93%
Rank 44 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.92% | 0.72% | 1.06% | 1.45% | Beats 93% | 55 / 746 | ||
| Return on Equity | 10.16% | 6.74% | 10.51% | 13.63% | Beats 48% | 391 / 746 | ||
| Net Interest Margin | 4.16% | 3.17% | 3.68% | 4.16% | Beats 75% | 190 / 746 | ||
| Efficiency Ratio | 36.30% | 55.74% | 64.58% | 75.47% | Beats 99% | 11 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.42% | 1.07% | Beats 100% | 105 / 743 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 43.35% | 11.55% | 13.75% | 17.60% | Beats 98% | 14 / 746 | ||
| Total Risk-Based Capital Ratio | 43.97% | 11.71% | 14.33% | 18.43% | Beats 98% | 14 / 746 | ||
| Equity / Assets | 18.93% | 8.90% | 10.51% | 13.06% | Beats 94% | 44 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 32.44% | 61.31% | 78.27% | 90.78% | 2nd pctl | 728 / 746 | ||
| Loans / Assets | 26.13% | 53.60% | 66.97% | 76.08% | 2nd pctl | 729 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||