Security Trust & Savings Bank
Storm Lake, IA · Cert 968 · Peer group: banks under $1B in assets in IA (n=134-135) · Storm Lake Security Bcorp
State charter, Fed member · FED · 3 branches
Q2 2026
$266.4MAssets
$79.7MLoans
$239.4MDeposits
$26.4MEquity
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 95% of banks under $1B in assets in IA (rank 7 of 135).
- Widest gap: net interest margin trails 89% of banks under $1B in assets in IA (rank 120 of 135).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.04%
Rank 86 of 135
Net Interest Margin
2.67%
Rank 120 of 135
Efficiency Ratio
54.66%
Rank 60 of 135
Equity / Assets
9.91%
Rank 98 of 135
Non-interest income vs. expense
Unfavorable gap of $3.9M · efficiency ratio beats 56% of banks under $1B in assets in IA | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.04% | 0.92% | 1.19% | 1.47% | Beats 36% | 86 / 135 | |
| Return on Equity | 10.53% | 7.99% | 10.26% | 13.14% | Beats 53% | 64 / 135 | |
| Net Interest Margin | 2.67% | 2.95% | 3.41% | 3.73% | Beats 11% | 120 / 135 | |
| Efficiency Ratio | 54.66% | 50.61% | 57.35% | 63.29% | Beats 56% | 60 / 135 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.78% | 0.03% | 0.51% | 1.26% | Beats 40% | 82 / 134 | |
| Net Charge-Offs / Loans | 0.05% | n/a | 0.01% | 0.03% | Beats 20% | 108 / 134 | |
| Capital |
| Tier 1 Capital Ratio | 31.77% | 11.23% | 13.31% | 15.45% | Beats 95% | 7 / 135 | |
| Total Risk-Based Capital Ratio | 33.02% | 11.61% | 14.06% | 16.47% | Beats 95% | 7 / 135 | |
| Equity / Assets | 9.91% | 9.87% | 11.05% | 13.07% | Beats 27% | 98 / 135 | |
| Liquidity & Funding |
| Loans / Deposits | 33.31% | 68.54% | 81.55% | 91.24% | 1st pctl | 132 / 134 | |
| Loans / Assets | 29.93% | 57.61% | 68.06% | 76.23% | 2nd pctl | 132 / 135 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |