Security Bank USA: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Security Bank USA of Bemidji, MN against its peer group of 2672 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 | 1.87% | 1.34% | +0.53% | 81st top |
| ROAE | 20.40% | 13.31% | +7.09% | 88th top |
| Net Interest Margin | 4.55% | 3.93% | +0.62% | 81st top |
| Efficiency Ratio | 62.87% | 61.14% | +1.73% | 45th below |
| PPNR / Avg Assets | 1.87% | 1.68% | +0.19% | 66th above |
| Yield on Earning Assets | 6.14% | 5.67% | +0.47% | 75th top |
| Cost of Funds | 1.69% | 1.88% | -0.19% | 57th above |
| Net Interest Spread | 4.07% | 3.32% | +0.75% | 85th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.22% | 0.94% | -0.72% | 63rd above |
| NPA / Total Assets | 0.16% | 0.70% | -0.54% | 63rd above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.10% | 0.16% | -0.06% | 19th bottom |
| ACL / Total Loans | 1.28% | 1.28% | +0.00% | 60th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 587.56% | 1538.94% | -951.38% | 74th above |
| Texas Ratio | 1.64% | 7.33% | -5.69% | 66th above |
| Provision / NCO | 0.00% | 1396.03% | -1396.03% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.47% | 19.50% | -6.03% | 33rd below |
| Tier 1 Ratio | 13.47% | 19.54% | -6.07% | 33rd below |
| Total Capital Ratio | 14.72% | 20.62% | -5.90% | 34th below |
| Leverage Ratio | 9.36% | 12.14% | -2.78% | 18th bottom |
| Equity / Assets | 9.14% | 11.37% | -2.23% | 29th below |
| TCE / Tangible Assets | 9.14% | 11.09% | -1.95% | 33rd below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 81.60% | 80.64% | +0.96% | 48th below |
| Core Deposit Ratio | 91.91% | 86.86% | +5.05% | 67th above |
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. | 4.62% | 6.85% | -2.23% | 52nd above |
| Loan Growth (Y/Y) | 7.90% | 7.90% | +0.00% | 64th above |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.18% | 6.29% | -2.11% | 51st above |
See Security Bank USA's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Security Bank USA, 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 USA profile, how to read a UBPR, or how this data updates.