Security Bank & 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 & Trust Company of Glencoe, MN against its peer group of 927 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 | 2.03% | 1.46% | +0.57% | 88th top |
| ROAE | 21.30% | 12.69% | +8.61% | 91st top |
| Net Interest Margin | 3.93% | 3.85% | +0.08% | 64th above |
| Efficiency Ratio | 47.00% | 57.41% | -10.41% | 82nd top |
| PPNR / Avg Assets | 2.10% | 1.88% | +0.22% | 73rd above |
| Yield on Earning Assets | 5.73% | 5.72% | +0.01% | 62nd above |
| Cost of Funds | 1.94% | 2.02% | -0.08% | 55th above |
| Net Interest Spread | 3.47% | 3.18% | +0.29% | 75th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.34% | 1.00% | -0.66% | 69th above |
| NPA / Total Assets | 0.22% | 0.76% | -0.54% | 74th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.13% | 0.43% | -0.30% | 24th bottom |
| ACL / Total Loans | 1.00% | 1.31% | -0.31% | 31st below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 295.31% | 564.50% | -269.19% | 69th above |
| Texas Ratio | 2.26% | 7.39% | -5.13% | 74th above |
| Provision / NCO Behind the peer average, ahead of the median peer. | 190.14% | 618.81% | -428.67% | 56th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 13.90% | 17.34% | -3.44% | 57th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 13.90% | 17.37% | -3.47% | 56th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 14.96% | 18.42% | -3.46% | 56th above |
| Leverage Ratio | 9.37% | 11.44% | -2.07% | 20th bottom |
| Equity / Assets | 9.39% | 11.34% | -1.95% | 29th below |
| TCE / Tangible Assets | 9.18% | 10.50% | -1.32% | 36th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 72.07% | 86.96% | -14.89% | 83rd top |
| Core Deposit Ratio | 91.64% | 85.55% | +6.09% | 66th above |
| Uninsured Deposit Ratio | 40.87% | 33.12% | +7.75% | 24th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 9.42% | 9.68% | -0.26% | 74th above |
| Loan Growth (Y/Y) | 5.08% | 8.06% | -2.98% | 47th below |
| Deposit Growth (Y/Y) | 9.60% | 7.88% | +1.72% | 74th above |
See Security Bank & Trust Company's peers by name
The 927 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Security Bank & 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 & Trust Company profile, how to read a UBPR, or how this data updates.