Security Bank, S.B.
Springfield, IL · Cert 27723 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Security Midwest Bcorp Inc.
SI · FDIC · 3 branches
Q2 2026
$244.5MAssets
$137.5MLoans
$185.5MDeposits
$22.7MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 185 of 743).
- Widest gap: efficiency ratio trails 76% of banks under $1B in assets operating in a single state (rank 565 of 746).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.70%
Rank 568 of 746
Net Interest Margin
3.64%
Rank 389 of 746
Efficiency Ratio
76.10%
Rank 565 of 746
Equity / Assets
9.28%
Rank 521 of 746
Non-interest income vs. expense
Unfavorable gap of $6.4M · efficiency ratio beats 24% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.70% | 0.72% | 1.06% | 1.45% | Beats 24% | 568 / 746 | | |
| Return on Equity | 7.57% | 6.74% | 10.51% | 13.63% | Beats 31% | 517 / 746 | | |
| Net Interest Margin | 3.64% | 3.17% | 3.68% | 4.16% | Beats 48% | 389 / 746 | | |
| Efficiency Ratio | 76.10% | 55.74% | 64.58% | 75.47% | Beats 24% | 565 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.16% | 0.09% | 0.42% | 1.07% | Beats 69% | 229 / 743 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 18.26% | 11.55% | 13.75% | 17.60% | Beats 78% | 163 / 746 | | |
| Total Risk-Based Capital Ratio | 19.14% | 11.71% | 14.33% | 18.43% | Beats 78% | 165 / 746 | | |
| Equity / Assets | 9.28% | 8.90% | 10.51% | 13.06% | Beats 30% | 521 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 74.13% | 61.31% | 78.27% | 90.78% | 43rd pctl | 427 / 746 | | |
| Loans / Assets | 56.24% | 53.60% | 66.97% | 76.08% | 30th pctl | 524 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |