Security Financial Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Security Financial Bank of Durand, WI against its peer group of 931 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 | 1.65% | 1.44% | +0.21% | 74th above |
| ROAE | 17.85% | 12.50% | +5.35% | 84th top |
| Net Interest Margin Behind the peer average, ahead of the median peer. | 3.79% | 3.84% | -0.05% | 56th above |
| Efficiency Ratio | 54.13% | 58.88% | -4.75% | 62nd above |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.74% | 1.78% | -0.04% | 51st above |
| Yield on Earning Assets | 5.80% | 5.71% | +0.09% | 66th above |
| Cost of Funds | 2.20% | 2.03% | +0.17% | 37th below |
| Net Interest Spread | 3.18% | 3.18% | +0.00% | 58th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.44% | 0.96% | +0.48% | 20th bottom |
| NPA / Total Assets | 1.09% | 0.75% | +0.34% | 21st bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.09% | 0.31% | -0.22% | 31st below |
| ACL / Total Loans | 1.44% | 1.25% | +0.19% | 82nd top |
| ACL / NPLs (Coverage) | 99.99% | 699.50% | -599.51% | 30th below |
| Texas Ratio | 10.97% | 7.16% | +3.81% | 21st bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 331.49% | 815.17% | -483.68% | 69th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.98% | 17.41% | -5.43% | 24th bottom |
| Tier 1 Ratio | 11.98% | 17.45% | -5.47% | 24th bottom |
| Total Capital Ratio | 13.23% | 18.51% | -5.28% | 26th below |
| Leverage Ratio | 9.67% | 11.60% | -1.93% | 27th below |
| Equity / Assets | 9.53% | 11.33% | -1.80% | 32nd below |
| TCE / Tangible Assets | 8.96% | 10.65% | -1.69% | 31st below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 91.60% | 86.35% | +5.25% | 39th below |
| Core Deposit Ratio | 85.22% | 85.56% | -0.34% | 35th below |
| Wholesale Funding Ratio | 10.44% | 5.45% | +4.99% | 14th 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. | 5.98% | 10.46% | -4.48% | 55th above |
| Loan Growth (Y/Y) | 8.07% | 7.99% | +0.08% | 64th above |
| Deposit Growth (Y/Y) | 2.56% | 7.98% | -5.42% | 34th below |
See Security Financial Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Security Financial Bank, 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 Financial Bank profile, how to read a UBPR, or how this data updates.