Oakley, KS · Cert 1867 · Security Bancshares Inc.
State charter, non-member · FDIC · 2 affiliate banks · 2 branches (12 in holding)
Q2 2026
Market Position · Lawrence, KS · 2026 SOD (annual) · 2.0% share · #10 of 22 inst. · $0.1B of $3.6B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.33% | 1.24% | 1.27% | 1.45% | 1.44% | 0.69% | 1.29% | 1.34% | -11 bps | |
| Return on Equity | 11.23% | 10.84% | 11.45% | 12.70% | 12.25% | 5.72% | 10.93% | 11.41% | -129 bps | |
| Net Interest Margin | 2.85% | 2.94% | 2.89% | 2.95% | 3.08% | 3.28% | 3.25% | 3.30% | +34 bps | |
| Efficiency Ratio | 45.82% | 51.09% | 48.02% | 44.05% | 43.10% | 74.53% | 51.03% | 50.47% | +641 bps | |
| Non-Interest Burden | 1.27% | 1.43% | 1.38% | 1.26% | 1.25% | 2.50% | 1.69% | 1.72% | +46 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.48% | 11.56% | 9.51% | 9.45% | 33.20% | 23.02% | 29.36% | 30.72% | +2,127 bps | |
| Loan Growth (YoY) | 6.16% | 12.84% | 10.00% | 9.08% | 27.37% | 12.85% | 22.21% | 22.83% | +1,375 bps | |
| Deposit Growth (YoY) | 6.72% | 1.80% | 6.13% | 7.43% | 45.14% | 41.26% | 43.98% | 39.49% | +3,206 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.18% | 0.02% | 0.00% | 0.00% | 0.81% | 0.16% | 0.60% | 0.01% | +1 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.02% | 0.03% | +3 bps | |
| Allowance / Loans | 1.05% | 1.02% | 1.06% | 1.06% | 0.90% | 0.91% | 0.86% | 0.85% | -21 bps | |
| Allowance Coverage of NPLs | 5.9x | 44.2x | 460.0x | n/a | 1.1x | 5.8x | 1.4x | 75.4x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.97% | 12.32% | 12.30% | 12.52% | 13.38% | 11.30% | 11.95% | 11.61% | -90 bps | |
| Total Risk-Based Capital | 13.85% | 13.87% | 13.84% | 14.40% | 13.35% | 13.54% | 13.28% | 13.71% | -68 bps | |
| Equity / Assets | 12.11% | 10.80% | 11.35% | 11.52% | 11.97% | 11.98% | 11.63% | 11.83% | +31 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 104.60% | 111.11% | 104.56% | 102.23% | 91.80% | 88.76% | 88.75% | 90.02% | -1,221 bps | |
| Liquid Assets / Assets | 1.10% | 0.44% | 0.49% | 0.52% | 0.92% | 0.17% | 0.55% | 0.15% | -37 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 236% | 245% | 226% | n/a | n/a | |