Security Savings Bank
Monmouth, IL · Cert 28925 · Peer group: banks under $1B in assets in IL (n=149-151) · Security Bcorp MHC
SI · FDIC · 2 branches
Q2 2026
$241.4MAssets
$152.2MLoans
$210.1MDeposits
$27.4MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 69% of banks under $1B in assets in IL (rank 47 of 149).
- Widest gap: efficiency ratio trails 68% of banks under $1B in assets in IL (rank 103 of 151).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.98%
Rank 87 of 151
Net Interest Margin
3.64%
Rank 52 of 151
Efficiency Ratio
69.72%
Rank 103 of 151
Equity / Assets
11.35%
Rank 55 of 151
Non-interest income vs. expense
Unfavorable gap of $5.9M · efficiency ratio beats 32% of banks under $1B in assets in IL | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.98% | 0.70% | 1.03% | 1.34% | Beats 42% | 87 / 151 | | |
| Return on Equity | 8.59% | 6.74% | 9.34% | 12.94% | Beats 44% | 85 / 151 | | |
| Net Interest Margin | 3.64% | 3.02% | 3.43% | 3.83% | Beats 66% | 52 / 151 | | |
| Efficiency Ratio | 69.72% | 54.64% | 64.89% | 72.50% | Beats 32% | 103 / 151 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.30% | 0.20% | 0.66% | 1.77% | Beats 66% | 52 / 149 | | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.02% | 0.07% | Beats 69% | 47 / 149 | | |
| Capital |
| Tier 1 Capital Ratio | 12.97% | 11.83% | 14.17% | 18.66% | Beats 40% | 91 / 151 | | |
| Total Risk-Based Capital Ratio | 12.97% | 12.22% | 14.54% | 19.92% | Beats 37% | 95 / 151 | | |
| Equity / Assets | 11.35% | 9.10% | 10.65% | 12.40% | Beats 64% | 55 / 151 | | |
| Liquidity & Funding |
| Loans / Deposits | 72.42% | 54.39% | 71.02% | 80.75% | 52nd pctl | 72 / 149 | | |
| Loans / Assets | 63.04% | 45.91% | 61.31% | 68.01% | 54th pctl | 70 / 151 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |