Security Bank
Laurel, NE · Cert 5424 · Peer group: banks under $1B in assets in NE (n=83) · Employee STK Ownership Plan Accounts Tr Security Bk KSOP&TR
State charter, Fed member · FED · 5 branches
Q2 2026
$309.9MAssets
$228.1MLoans
$269.7MDeposits
$38.8MEquity
Executive Summary
- Strongest standing: total risk-based capital ratio outperforms 72% of banks under $1B in assets in NE (rank 23 of 83).
- Widest gap: net charge-offs / loans trails 86% of banks under $1B in assets in NE (rank 72 of 83).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.09%
Rank 50 of 83
Net Interest Margin
3.80%
Rank 32 of 83
Efficiency Ratio
67.19%
Rank 63 of 83
Equity / Assets
12.50%
Rank 30 of 83
Non-interest income vs. expense
Unfavorable gap of $7.0M · efficiency ratio beats 25% of banks under $1B in assets in NE | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.09% | 0.93% | 1.20% | 1.51% | Beats 40% | 50 / 83 | | |
| Return on Equity | 8.74% | 8.04% | 10.34% | 13.11% | Beats 27% | 61 / 83 | | |
| Net Interest Margin | 3.80% | 3.25% | 3.62% | 4.02% | Beats 61% | 32 / 83 | | |
| Efficiency Ratio | 67.19% | 51.13% | 59.95% | 67.19% | Beats 25% | 63 / 83 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.63% | 0.00% | 0.19% | 0.96% | Beats 28% | 61 / 83 | | |
| Net Charge-Offs / Loans | 0.07% | n/a | 0.00% | 0.02% | Beats 14% | 72 / 83 | | |
| Capital |
| Tier 1 Capital Ratio | 15.81% | 10.94% | 13.24% | 16.62% | Beats 70% | 25 / 83 | | |
| Total Risk-Based Capital Ratio | 16.79% | 11.04% | 13.54% | 17.63% | Beats 72% | 23 / 83 | | |
| Equity / Assets | 12.50% | 9.90% | 11.31% | 13.84% | Beats 64% | 30 / 83 | | |
| Liquidity & Funding |
| Loans / Deposits | 84.58% | 71.97% | 83.15% | 92.22% | 52nd pctl | 40 / 83 | | |
| Loans / Assets | 73.61% | 57.96% | 69.15% | 77.64% | 59th pctl | 34 / 83 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |