Security State Bank, The
McRae-Helena, GA · Cert 19680 · Peer group: banks under $1B in assets in GA (n=58-59) · Farmers Bancshares Inc.
State charter, non-member · FDIC · 1 affiliate bank · 1 branch (4 in holding)
Q2 2026
$70.5MAssets
$33.1MLoans
$61.0MDeposits
$9.2MEquity
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 90% of banks under $1B in assets in GA (rank 6 of 59).
- Widest gap: net charge-offs / loans trails 84% of banks under $1B in assets in GA (rank 50 of 58).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.48%
Rank 28 of 59
Net Interest Margin
5.07%
Rank 7 of 59
Efficiency Ratio
61.73%
Rank 36 of 59
Equity / Assets
13.03%
Rank 18 of 59
Non-interest income vs. expense
Unfavorable gap of $2.1M · efficiency ratio beats 41% of banks under $1B in assets in GA | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.48% | 0.94% | 1.46% | 1.76% | Beats 53% | 28 / 59 | |
| Return on Equity | 11.39% | 7.92% | 11.60% | 15.10% | Beats 47% | 31 / 59 | |
| Net Interest Margin | 5.07% | 3.66% | 4.24% | 4.75% | Beats 88% | 7 / 59 | |
| Efficiency Ratio | 61.73% | 51.87% | 60.25% | 70.24% | Beats 41% | 36 / 59 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.59% | 0.10% | 0.36% | 0.89% | Beats 38% | 37 / 58 | |
| Net Charge-Offs / Loans | 0.10% | 0.00% | 0.02% | 0.05% | Beats 16% | 50 / 58 | |
| Capital |
| Tier 1 Capital Ratio | 25.53% | 11.93% | 15.65% | 21.05% | Beats 90% | 6 / 59 | |
| Total Risk-Based Capital Ratio | 26.79% | 12.05% | 15.77% | 22.26% | Beats 90% | 6 / 59 | |
| Equity / Assets | 13.03% | 9.10% | 11.51% | 14.32% | Beats 69% | 18 / 59 | |
| Liquidity & Funding |
| Loans / Deposits | 54.26% | 59.62% | 72.81% | 85.44% | 14th pctl | 50 / 58 | |
| Loans / Assets | 47.00% | 49.55% | 64.39% | 73.73% | 17th pctl | 49 / 59 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |