Security State Bank
Alexandria, SD · Cert 16448 · Peer group: banks under $1B in assets operating in a single state (n=743-746)
State charter, non-member · FDIC · 3 branches
Q2 2026
$103.0MAssets
$54.3MLoans
$95.6MDeposits
$7.1MEquity
Executive Summary
- Strongest standing: total risk-based capital ratio outperforms 51% of banks under $1B in assets operating in a single state (rank 368 of 746).
- Widest gap: net charge-offs / loans trails 98% of banks under $1B in assets operating in a single state (rank 727 of 743).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
0.39%
Rank 651 of 746
Net Interest Margin
3.59%
Rank 403 of 746
Efficiency Ratio
74.70%
Rank 552 of 746
Equity / Assets
6.86%
Rank 705 of 746
Non-interest income vs. expense
Unfavorable gap of $2.8M · efficiency ratio beats 26% 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 | 0.39% | 0.72% | 1.06% | 1.45% | Beats 13% | 651 / 746 | |
| Return on Equity | 5.67% | 6.74% | 10.51% | 13.63% | Beats 21% | 593 / 746 | |
| Net Interest Margin | 3.59% | 3.17% | 3.68% | 4.16% | Beats 46% | 403 / 746 | |
| Efficiency Ratio | 74.70% | 55.74% | 64.58% | 75.47% | Beats 26% | 552 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 3.72% | 0.09% | 0.42% | 1.07% | Beats 3% | 720 / 743 | |
| Net Charge-Offs / Loans | 0.63% | 0.00% | 0.01% | 0.05% | Beats 2% | 727 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 13.55% | 11.55% | 13.75% | 17.60% | Beats 47% | 392 / 746 | |
| Total Risk-Based Capital Ratio | 14.55% | 11.71% | 14.33% | 18.43% | Beats 51% | 368 / 746 | |
| Equity / Assets | 6.86% | 8.90% | 10.51% | 13.06% | Beats 5% | 705 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 56.76% | 61.31% | 78.27% | 90.78% | 19th pctl | 602 / 746 | |
| Loans / Assets | 52.67% | 53.60% | 66.97% | 76.08% | 23rd pctl | 571 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |