Security State Bank
Sutherland, IA · Cert 235 · Peer group: banks under $1B in assets in IA (n=134-135) · Old O Brien Banc Shares Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
$492.3MAssets
$450.5MLoans
$337.3MDeposits
$54.5MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 100% of banks under $1B in assets in IA (rank 1 of 135).
- Widest gap: total risk-based capital ratio trails 81% of banks under $1B in assets in IA (rank 109 of 135).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
2.12%
Rank 4 of 135
Net Interest Margin
4.00%
Rank 20 of 135
Efficiency Ratio
28.16%
Rank 1 of 135
Equity / Assets
11.08%
Rank 67 of 135
Non-interest income vs. expense
Unfavorable gap of $5.2M · efficiency ratio beats 100% 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 | 2.12% | 0.92% | 1.19% | 1.47% | Beats 97% | 4 / 135 | | |
| Return on Equity | 19.09% | 7.99% | 10.26% | 13.14% | Beats 98% | 3 / 135 | | |
| Net Interest Margin | 4.00% | 2.95% | 3.41% | 3.73% | Beats 85% | 20 / 135 | | |
| Efficiency Ratio | 28.16% | 50.61% | 57.35% | 63.29% | Beats 100% | 1 / 135 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.23% | 0.03% | 0.51% | 1.26% | Beats 63% | 50 / 134 | | |
| Net Charge-Offs / Loans | 0.01% | n/a | 0.01% | 0.03% | Beats 40% | 83 / 134 | | |
| Capital |
| Tier 1 Capital Ratio | 11.13% | 11.23% | 13.31% | 15.45% | Beats 23% | 104 / 135 | | |
| Total Risk-Based Capital Ratio | 11.13% | 11.61% | 14.06% | 16.47% | Beats 19% | 109 / 135 | | |
| Equity / Assets | 11.08% | 9.87% | 11.05% | 13.07% | Beats 50% | 67 / 135 | | |
| Liquidity & Funding |
| Loans / Deposits | 133.56% | 68.54% | 81.55% | 91.24% | 99th pctl | 2 / 134 | | |
| Loans / Assets | 91.51% | 57.61% | 68.06% | 76.23% | 99th pctl | 1 / 135 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |