Security State Bank
Iron River, WI · Cert 9036 · Peer group: banks under $1B in assets in WI (n=110-113) · Security Bank Shares Inc.
State charter, non-member · FDIC · 1 affiliate bank · 3 branches (7 in holding)
Q2 2026
$136.2MAssets
$91.7MLoans
$105.2MDeposits
$28.4MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 98% of banks under $1B in assets in WI (rank 2 of 113).
- Widest gap: net charge-offs / loans trails 77% of banks under $1B in assets in WI (rank 86 of 110).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
2.72%
Rank 6 of 113
Net Interest Margin
5.60%
Rank 2 of 113
Efficiency Ratio
43.89%
Rank 12 of 113
Equity / Assets
20.89%
Rank 7 of 113
Non-interest income vs. expense
Unfavorable gap of $3.0M · efficiency ratio beats 90% of banks under $1B in assets in WI | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.72% | 0.85% | 1.17% | 1.51% | Beats 95% | 6 / 113 | | |
| Return on Equity | 13.03% | 7.70% | 10.77% | 13.67% | Beats 68% | 36 / 113 | | |
| Net Interest Margin | 5.60% | 3.19% | 3.59% | 3.89% | Beats 98% | 2 / 113 | | |
| Efficiency Ratio | 43.89% | 54.61% | 62.43% | 71.88% | Beats 90% | 12 / 113 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.37% | 0.03% | 0.24% | 0.91% | Beats 38% | 69 / 110 | | |
| Net Charge-Offs / Loans | 0.01% | n/a | 0.00% | 0.01% | Beats 23% | 86 / 110 | | |
| Capital |
| Tier 1 Capital Ratio | 29.15% | 11.22% | 12.95% | 15.76% | Beats 94% | 7 / 113 | | |
| Total Risk-Based Capital Ratio | 30.41% | 11.57% | 13.59% | 16.73% | Beats 94% | 7 / 113 | | |
| Equity / Assets | 20.89% | 9.17% | 10.74% | 13.13% | Beats 94% | 7 / 113 | | |
| Liquidity & Funding |
| Loans / Deposits | 87.14% | 76.54% | 86.37% | 98.93% | 52nd pctl | 54 / 112 | | |
| Loans / Assets | 67.28% | 63.07% | 71.33% | 78.84% | 36th pctl | 72 / 113 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |