Security Bank and Trust Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Security Bank and Trust Company of Maysville, KY against its peer group of 536 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA Behind the peer average, ahead of the median peer. | 2.09% | 3.32% | -1.23% | 85th top |
| ROAE | 13.45% | 8.28% | +5.17% | 75th top |
| Net Interest Margin | 3.82% | 3.92% | -0.10% | 46th below |
| Efficiency Ratio | 46.17% | 84.53% | -38.36% | 92nd top |
| PPNR / Avg Assets | 2.14% | 1.56% | +0.58% | 82nd top |
| Yield on Earning Assets | 4.44% | 5.24% | -0.80% | 21st bottom |
| Cost of Funds | 0.72% | 1.67% | -0.95% | 91st top |
| Net Interest Spread | 3.42% | 3.30% | +0.12% | 55th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.08% | 1.42% | -1.34% | 60th above |
| NPA / Total Assets | 0.03% | 0.71% | -0.68% | 57th above |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 53rd above |
| ACL / Total Loans | 1.07% | 1.53% | -0.46% | 36th below |
| ACL / NPLs (Coverage) | 1260.87% | 719.98% | +540.89% | — |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.34% | 8.57% | -4.23% | 38th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 15.74% | 22.09% | -6.35% | 68th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 15.76% | 20.73% | -4.97% | 70th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 15.76% | 20.48% | -4.72% | 72nd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 44.97% | 74.31% | -29.34% | 77th top |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 89.76% | 88.30% | +1.46% | 40th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.55% | 3.83% | -2.28% | 43rd below |
| Loan Growth (Y/Y) | -9.61% | 6.88% | -16.49% | 10th bottom |
| Deposit Growth (Y/Y) | 5.35% | 2.97% | +2.38% | 67th above |
See Security Bank and Trust Company's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Security Bank and Trust Company, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Security Bank and Trust Company profile, how to read a UBPR, or how this data updates.