Security National Trust Co.
Wheeling, WV · Cert 57081 · Peer group: banks under $1B in assets (n=629)
FDIC
Q2 2026
$8.8MAssets
$0KLoans
$0KDeposits
$7.4MEquity
Executive Summary
- Strongest standing: return on assets outperforms 99% of banks under $1B in assets (rank 8 of 629).
- Widest gap: net interest margin trails 85% of banks under $1B in assets (rank 535 of 629).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
28.79%
Rank 8 of 629
Net Interest Margin
2.76%
Rank 535 of 629
Efficiency Ratio
66.51%
Rank 286 of 629
Equity / Assets
83.95%
Rank 27 of 629
Non-interest income vs. expense
Favorable gap of $3.0M · efficiency ratio beats 55% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 28.79% | 0.60% | 1.01% | 1.45% | Beats 99% | 8 / 629 | |
| Return on Equity | 34.29% | 5.38% | 9.30% | 13.28% | Beats 98% | 10 / 629 | |
| Net Interest Margin | 2.76% | 3.03% | 3.54% | 4.05% | Beats 15% | 535 / 629 | |
| Efficiency Ratio | 66.51% | 58.35% | 67.79% | 79.08% | Beats 55% | 286 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | n/a | Not reported for this institution |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 87.19% | 11.24% | 13.84% | 18.77% | Beats 94% | 40 / 629 | |
| Total Risk-Based Capital Ratio | 87.19% | 11.58% | 14.43% | 19.66% | Beats 94% | 40 / 629 | |
| Equity / Assets | 83.95% | 9.09% | 10.65% | 13.80% | Beats 96% | 27 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | n/a | Not reported for this institution |
| Loans / Assets | 0.00% | 53.31% | 67.71% | 78.15% | 0th pctl | 582 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |