Security State Bank
Radcliffe, IA · Cert 18448 · Peer group: banks under $1B in assets in IA (n=134-135) · Drake Holding Co.
State charter, non-member · FDIC · 4 branches
Q2 2026
$119.0MAssets
$54.4MLoans
$109.0MDeposits
$9.8MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in IA (rank 45 of 134).
- Widest gap: equity / assets trails 94% of banks under $1B in assets in IA (rank 127 of 135).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.87%
Rank 107 of 135
Net Interest Margin
2.77%
Rank 113 of 135
Efficiency Ratio
64.12%
Rank 106 of 135
Equity / Assets
8.22%
Rank 127 of 135
Non-interest income vs. expense
Unfavorable gap of $2.1M · efficiency ratio beats 22% of banks under $1B in assets in IA | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.87% | 0.92% | 1.19% | 1.47% | Beats 21% | 107 / 135 | | |
| Return on Equity | 10.54% | 7.99% | 10.26% | 13.14% | Beats 53% | 63 / 135 | | |
| Net Interest Margin | 2.77% | 2.95% | 3.41% | 3.73% | Beats 16% | 113 / 135 | | |
| Efficiency Ratio | 64.12% | 50.61% | 57.35% | 63.29% | Beats 22% | 106 / 135 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.88% | 0.03% | 0.51% | 1.26% | Beats 7% | 125 / 134 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.03% | Beats 100% | 45 / 134 | | |
| Capital |
| Tier 1 Capital Ratio | 14.51% | 11.23% | 13.31% | 15.45% | Beats 65% | 47 / 135 | | |
| Total Risk-Based Capital Ratio | 15.36% | 11.61% | 14.06% | 16.47% | Beats 66% | 46 / 135 | | |
| Equity / Assets | 8.22% | 9.87% | 11.05% | 13.07% | Beats 6% | 127 / 135 | | |
| Liquidity & Funding |
| Loans / Deposits | 49.93% | 68.54% | 81.55% | 91.24% | 7th pctl | 125 / 134 | | |
| Loans / Assets | 45.72% | 57.61% | 68.06% | 76.23% | 12th pctl | 119 / 135 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |