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
Unfavorable gap of $940K · efficiency ratio beats 98% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.92% | 0.72% | 1.06% | 1.45% | Beats 92% | 60 / 755 | |
| Return on Equity | 10.16% | 6.66% | 10.44% | 13.61% | Beats 48% | 393 / 755 | |
| Net Interest Margin | 4.16% | 3.15% | 3.68% | 4.17% | Beats 74% | 196 / 755 | |
| Efficiency Ratio | 36.30% | 55.75% | 64.78% | 75.61% | Beats 98% | 16 / 755 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.42% | 1.05% | Beats 100% | 108 / 751 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 751 | |
| Capital |
| Tier 1 Capital Ratio | 43.35% | 11.56% | 13.81% | 17.74% | Beats 97% | 19 / 755 | |
| Total Risk-Based Capital Ratio | 43.97% | 11.72% | 14.46% | 18.53% | Beats 97% | 19 / 755 | |
| Equity / Assets | 18.93% | 8.93% | 10.56% | 13.13% | Beats 94% | 46 / 755 | |
| Liquidity & Funding |
| Loans / Deposits | 32.44% | 62.43% | 78.62% | 91.00% | 2nd pctl | 739 / 755 | |
| Loans / Assets | 26.13% | 54.70% | 67.27% | 76.55% | 2nd pctl | 740 / 755 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |