Colby, KS · Cert 34719 · Security Bancshares Inc.
State charter, non-member · FDIC · 2 affiliate banks · 5 branches (12 in holding)
Q2 2026
Market Position · Denver-Aurora-Centennial, CO · 2026 SOD (annual) · 0.0% share · #56 of 68 inst. · $0.0B of $113.6B
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% | 0.80% | 1.37% | 1.42% | 1.55% | 1.27% | 1.75% | 1.64% | +22 bps | |
| Return on Equity | 11.55% | 7.22% | 12.93% | 13.10% | 13.79% | 11.40% | 15.96% | 14.65% | +154 bps | |
| Net Interest Margin | 3.11% | 2.95% | 3.02% | 3.20% | 3.27% | 3.34% | 3.39% | 3.38% | +18 bps | |
| Efficiency Ratio | 44.84% | 55.91% | 41.81% | 38.31% | 41.44% | 51.34% | 36.55% | 41.30% | +299 bps | |
| Non-Interest Burden | 1.45% | 1.69% | 1.31% | 1.24% | 1.38% | 1.75% | 1.26% | 1.43% | +19 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.48% | 11.36% | 16.10% | 14.14% | 10.14% | 12.29% | 7.57% | 9.92% | -422 bps | |
| Loan Growth (YoY) | 17.24% | 14.49% | 13.83% | 16.68% | 12.54% | 16.60% | 12.00% | 10.27% | -640 bps | |
| Deposit Growth (YoY) | 12.39% | 12.24% | 20.37% | 16.84% | 13.63% | 15.08% | 8.62% | 11.77% | -506 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.54% | 0.51% | 0.49% | 0.74% | 1.25% | 0.66% | 0.00% | 0.61% | -12 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.00% | -0.01% | -0.06% | -0.19% | -0.09% | -0.05% | -0.02% | +4 bps | |
| Allowance / Loans | 0.92% | 0.94% | 0.90% | 0.92% | 0.95% | 1.02% | 1.02% | 0.99% | +8 bps | |
| Allowance Coverage of NPLs | 1.7x | 1.9x | 1.9x | 1.2x | 0.8x | 1.5x | n/a | 1.6x | +0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.11% | 10.52% | 10.76% | 11.03% | 11.33% | 11.01% | 11.05% | 11.23% | +19 bps | |
| Total Risk-Based Capital | 11.11% | 10.52% | 10.76% | 11.03% | 11.33% | 11.01% | 11.05% | 11.23% | +19 bps | |
| Equity / Assets | 11.55% | 10.52% | 10.75% | 10.99% | 11.46% | 10.77% | 11.10% | 11.33% | +34 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 96.49% | 90.05% | 89.78% | 95.24% | 95.57% | 91.24% | 92.58% | 93.96% | -128 bps | |
| Liquid Assets / Assets | 2.01% | 1.90% | 1.80% | 1.63% | 1.57% | 1.44% | 1.80% | 1.54% | -8 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 209% | 213% | 217% | n/a | n/a | |