Security Bank, S.B.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 27.47 percentage points higher than in Q1 2026, at 532.42%. Within Illinois, Security Bank, S.B. is 245th of 323 on return on assets, 0.72% as of Q2 2026. The median for banks in the $100M-1B asset tier is 1.26% on return on assets. Security Bank, S.B. sits 0.53 points lower, at 0.72% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 18.26% |
| Tier 1 risk-based capital ratio | 18.26% |
| Total risk-based capital ratio | 19.14% |
| Tier 1 leverage ratio | 10.09% |
| Equity capital to assets | 9.28% |
| Tangible equity to tangible assets | 9.28% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.16% |
| Non-performing assets ratio | 0.09% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 0.92% |
| Allowance for credit losses to loans | 0.85% |
| Reserve coverage of non-performing loans | 532.42% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.72% |
| Return on equity | 8.03% |
| Net interest margin | 3.91% |
| Efficiency ratio | 76.66% |
| Yield on earning assets | 5.45% |
| Cost of funds | 1.59% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 74.13% |
| Core deposits to total deposits | 94.28% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 75.86% |
| Securities to assets | 30.91% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 15.78% | 15.78% | 17.02% | 9.05% | 0.58% |
| Q4 2023 | 15.71% | 15.71% | 16.94% | 8.49% | -0.63% |
| Q1 2024 | 15.91% | 15.91% | 17.26% | 7.98% | 0.41% |
| Q2 2024 | 16.17% | 16.17% | 17.55% | 8.05% | 0.48% |
| Q3 2024 | 15.26% | 15.26% | 16.47% | 7.74% | -0.53% |
| Q4 2024 | 15.73% | 15.73% | 16.85% | 8.07% | 0.88% |
| Q1 2025 | 16.37% | 16.37% | 17.43% | 8.22% | 0.74% |
| Q2 2025 | 16.35% | 16.35% | 17.41% | 9.15% | 0.67% |
| Q3 2025 | 21.51% | 21.51% | 22.56% | 11.98% | 0.60% |
| Q4 2025 | 19.87% | 19.87% | 20.73% | 10.63% | -1.29% |
| Q1 2026 | 18.86% | 18.86% | 19.76% | 9.75% | 0.66% |
| Q2 2026 | 18.26% | 18.26% | 19.14% | 10.09% | 0.72% |
Security Bank, S.B. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Security Bank, S.B., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Security Bank, S.B. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27723) · FFIEC NIC profile (RSSD 218878)