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
Unfavorable gap of $15.5M · efficiency ratio beats 79% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.37% | 0.93% | 1.23% | 1.54% | Beats 64% | 92 / 258 | |
| Return on Equity | 12.67% | 9.26% | 11.84% | 14.74% | Beats 59% | 107 / 258 | |
| Net Interest Margin | 3.33% | 3.16% | 3.49% | 3.88% | Beats 37% | 162 / 258 | |
| Efficiency Ratio | 50.44% | 51.71% | 60.30% | 69.65% | Beats 79% | 54 / 257 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.26% | 0.19% | 0.46% | 0.90% | Beats 67% | 87 / 258 | |
| Net Charge-Offs / Loans | 0.07% | 0.01% | 0.02% | 0.07% | Beats 26% | 194 / 258 | |
| Capital |
| Tier 1 Capital Ratio | 11.96% | 11.41% | 12.98% | 15.12% | Beats 32% | 176 / 258 | |
| Total Risk-Based Capital Ratio | 12.84% | 12.10% | 13.91% | 16.08% | Beats 35% | 168 / 258 | |
| Equity / Assets | 10.78% | 9.09% | 10.24% | 11.72% | Beats 59% | 106 / 258 | |
| Liquidity & Funding |
| Loans / Deposits | 104.56% | 73.24% | 86.34% | 95.95% | 91st pctl | 23 / 258 | |
| Loans / Assets | 73.61% | 63.01% | 72.27% | 78.40% | 55th pctl | 117 / 258 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |