PackageTrendsPeer
Letter portraitLegal landscape

Security State Bank

Scott City, KS · Cert 18374 · Security Bancshares Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B 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 $1B-$10B in assets operating in a single state (n=257 to 258). 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

42

Q2 2024Q2 2026peer median (50)

Asset Quality

47

Q2 2024Q2 2026peer median (50)

Profitability

53

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

79

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

Scott City, KS · Cert 18374 · Security Bancshares Inc.

State charter, non-member · FDIC · 2 affiliate banks · 5 branches (12 in holding)

Q2 2026

$1.0BAssets
$761.0MLoans
$727.9MDeposits
$111.5MEquity
Loan mix
78%RE $464.7M18%C&I $109.2M4%Consumer $24.5MQ2 2025Q2 2026
Deposit mix
88%Interest-bearing $643.9M12%Noninterest $83.9MQ2 2025Q2 2026

NIM

4.15%Q2 ’246.28%Q2 ’256.01%Q2 ’26+58%+8%

Non-interest income vs. expense

1.04%Q2 ’241.73%Q2 ’251.82%Q2 ’26+67%+8%

Executive Summary

  • Earnings: ROA of 1.39%, up 34 bps year over year; NIM at 3.33%.
  • Asset quality: problem loans at 0.26% of loans (-1 bps YoY), with net charge-offs at 0.11%.
  • Capital: tier 1 leverage ratio of 10.23%, up 44 bps from a year ago.
  • Funding: loans stand at 104.56% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.39%+34 bps YoY

Net Interest Margin (YTD, annualized)

3.33%+25 bps YoY

Efficiency Ratio (YTD, annualized)

46.76%-16 bps YoY

Tier 1 Leverage Ratio

10.23%+44 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.05%1.15%1.23%1.39%1.39%+34 bps
Return on Equity10.16%11.00%11.68%12.84%12.89%+273 bps
Net Interest Margin3.09%3.15%3.14%3.34%3.33%+25 bps
Efficiency Ratio46.92%46.03%46.91%46.35%46.76%-16 bps
Non-Interest Burden1.40%1.40%1.43%1.50%1.51%+11 bps
Growth
Asset Growth (YoY)10.90%10.06%7.46%2.94%7.09%-381 bps
Loan Growth (YoY)14.87%11.99%6.86%1.09%1.58%-1,329 bps
Deposit Growth (YoY)21.03%16.80%15.47%-4.86%-6.22%-2,726 bps
Asset Quality
Nonperforming Loans / Loans0.27%0.27%0.27%0.28%0.26%-1 bps
Net Charge-Offs / Loans0.13%0.14%0.11%0.13%0.11%-1 bps
Allowance / Loans0.96%0.96%0.97%0.97%0.97%+1 bps
Allowance Coverage of NPLs3.6x3.5x3.6x3.4x3.8x+0.2x
Capital
Tier 1 Leverage Ratio9.79%10.15%10.03%10.21%10.23%+44 bps
Total Risk-Based Capital12.21%12.47%12.44%12.84%12.84%+62 bps
Equity / Assets10.57%10.85%10.76%10.87%10.78%+21 bps
Liquidity & Funding
Loans / Deposits96.53%99.21%95.74%102.70%104.56%+803 bps
Liquid Assets / Assets1.05%1.00%0.95%0.95%1.05%0 bps
CRE / Total Capitaln/a173.52%182.79%187.31%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

Scott City, KS · Cert 18374 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Security Bancshares Inc.

State charter, non-member · FDIC · 2 affiliate banks · 5 branches (12 in holding)

Q2 2026

$1.0BAssets
$761.0MLoans
$727.9MDeposits
$111.5MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 79% of banks $1B-$10B in assets operating in a single state (rank 54 of 257).
  • Widest gap: net charge-offs / loans trails 74% of banks $1B-$10B in assets operating in a single state (rank 194 of 258).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.37%

Rank 92 of 258

Net Interest Margin

3.33%

Rank 162 of 258

Efficiency Ratio

50.44%

Rank 54 of 257

Equity / Assets

10.78%

Rank 106 of 258

Non-interest income vs. expense

$3.3M$18.8MINCOMEEXPENSE
Unfavorable gap of $15.5M · efficiency ratio beats 79% of banks $1B-$10B in assets operating in a single state
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.37%0.93%1.23%1.54%Beats 64%92 / 258
Return on Equity12.67%9.26%11.84%14.74%Beats 59%107 / 258
Net Interest Margin3.33%3.16%3.49%3.88%Beats 37%162 / 258
Efficiency Ratio50.44%51.71%60.30%69.65%Beats 79%54 / 257
Asset Quality
Nonperforming Loans / Loans0.26%0.19%0.46%0.90%Beats 67%87 / 258
Net Charge-Offs / Loans0.07%0.01%0.02%0.07%Beats 26%194 / 258
Capital
Tier 1 Capital Ratio11.96%11.41%12.98%15.12%Beats 32%176 / 258
Total Risk-Based Capital Ratio12.84%12.10%13.91%16.08%Beats 35%168 / 258
Equity / Assets10.78%9.09%10.24%11.72%Beats 59%106 / 258
Liquidity & Funding
Loans / Deposits104.56%73.24%86.34%95.95%91st pctl23 / 258
Loans / Assets73.61%63.01%72.27%78.40%55th pctl117 / 258
Brokered Deposits / Depositsn/aNot reported for this institution