The Security National Bank of Sioux City, Iowa
Sioux City, IA · Cert 4506 · Peer group: banks $1B-$10B in assets (n=322-328) · Security National Corp.
National charter · OCC · 1 affiliate bank · 10 branches (13 in holding)
Q2 2026
$1.7BAssets
$1.2BLoans
$1.3BDeposits
$208.5MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 94% of banks $1B-$10B in assets (rank 23 of 322).
- Widest gap: total risk-based capital ratio trails 72% of banks $1B-$10B in assets (rank 237 of 328).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.81%
Rank 38 of 328
Net Interest Margin
3.24%
Rank 207 of 328
Efficiency Ratio
51.77%
Rank 87 of 328
Equity / Assets
12.34%
Rank 67 of 328
Non-interest income vs. expense
Unfavorable gap of $16.2M · efficiency ratio beats 74% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.81% | 0.91% | 1.22% | 1.52% | Beats 88% | 38 / 328 | |
| Return on Equity | 14.64% | 8.43% | 11.45% | 14.43% | Beats 78% | 73 / 328 | |
| Net Interest Margin | 3.24% | 3.03% | 3.45% | 3.83% | Beats 37% | 207 / 328 | |
| Efficiency Ratio | 51.77% | 51.61% | 59.56% | 67.53% | Beats 74% | 87 / 328 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.26% | 0.24% | 0.51% | 1.03% | Beats 73% | 87 / 322 | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.03% | 0.10% | Beats 94% | 23 / 322 | |
| Capital |
| Tier 1 Capital Ratio | 12.79% | 11.75% | 13.15% | 15.47% | Beats 45% | 180 / 328 | |
| Total Risk-Based Capital Ratio | 12.79% | 12.63% | 14.15% | 16.46% | Beats 28% | 237 / 328 | |
| Equity / Assets | 12.34% | 9.15% | 10.33% | 12.01% | Beats 80% | 67 / 328 | |
| Liquidity & Funding |
| Loans / Deposits | 92.17% | 76.63% | 87.92% | 95.36% | 66th pctl | 111 / 323 | |
| Loans / Assets | 71.53% | 65.18% | 74.15% | 79.98% | 41st pctl | 192 / 328 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |