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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 $24.5MQ3 2024Q2 2026
Deposit mix
88%Interest-bearing $643.9M12%Noninterest $83.9MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.80%0.82%0.98%1.05%1.15%1.23%1.39%1.39%+34 bps
Return on Equity7.31%7.57%9.59%10.16%11.00%11.68%12.84%12.89%+273 bps
Net Interest Margin2.33%2.45%3.09%3.09%3.15%3.14%3.34%3.33%+25 bps
Efficiency Ratio51.82%51.71%49.87%46.92%46.03%46.91%46.35%46.76%-16 bps
Non-Interest Burden1.15%1.21%1.50%1.40%1.40%1.43%1.50%1.51%+11 bps
Growth
Asset Growth (YoY)94.18%90.51%94.77%10.90%10.06%7.46%2.94%7.09%-381 bps
Loan Growth (YoY)92.04%92.91%86.91%14.87%11.99%6.86%1.09%1.58%-1,329 bps
Deposit Growth (YoY)112.11%107.76%129.84%21.03%16.80%15.47%-4.86%-6.22%-2,726 bps
Asset Quality
Nonperforming Loans / Loans0.14%0.03%0.03%0.27%0.27%0.27%0.28%0.26%-1 bps
Net Charge-Offs / Loans0.00%0.01%0.26%0.13%0.14%0.11%0.13%0.11%-1 bps
Allowance / Loans0.90%0.96%0.88%0.96%0.96%0.97%0.97%0.97%+1 bps
Allowance Coverage of NPLs6.5x37.0x26.7x3.6x3.5x3.6x3.4x3.8x+0.2x
Capital
Tier 1 Leverage Ratio10.07%9.61%9.93%9.79%10.15%10.03%10.21%10.23%+44 bps
Total Risk-Based Capital12.31%11.89%12.78%12.21%12.47%12.44%12.84%12.84%+62 bps
Equity / Assets10.94%10.25%10.26%10.57%10.85%10.76%10.87%10.78%+21 bps
Liquidity & Funding
Loans / Deposits103.47%103.45%96.66%96.53%99.21%95.74%102.70%104.56%+803 bps
Liquid Assets / Assets1.54%1.35%1.29%1.05%1.00%0.95%0.95%1.05%0 bps
CRE / Total Capitaln/an/an/an/a173.52%182.79%187.31%n/an/a