Security National Bank of South Dakota: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Security National Bank of South Dakota of Dakota Dunes, SD 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 | 2.40% | 1.34% | +1.06% | 93rd top |
| ROAE | 18.04% | 13.31% | +4.73% | 80th top |
| Net Interest Margin | 3.15% | 3.93% | -0.78% | 14th bottom |
| Efficiency Ratio | 43.80% | 61.14% | -17.34% | 90th top |
| PPNR / Avg Assets | 3.14% | 1.68% | +1.46% | 96th top |
| Yield on Earning Assets | 4.77% | 5.67% | -0.90% | 16th bottom |
| Cost of Funds Ahead of the peer average, behind the median peer. | 1.82% | 1.88% | -0.06% | 49th below |
| Net Interest Spread | 2.54% | 3.32% | -0.78% | 15th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 93rd top |
| NPA / Total Assets | 0.00% | 0.70% | -0.70% | 94th top |
| NCO / Avg Loans | -0.00% | 0.16% | -0.16% | 78th top |
| ACL / Total Loans | 1.32% | 1.28% | +0.04% | 65th above |
| Texas Ratio | 0.00% | 7.33% | -7.33% | 95th top |
| Provision / NCO | 0.00% | 1396.01% | -1396.01% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 14.12% | 12.14% | +1.98% | 82nd top |
| Equity / Assets | 13.83% | 11.37% | +2.46% | 84th top |
| TCE / Tangible Assets | 13.83% | 11.09% | +2.74% | 85th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 88.63% | 80.64% | +7.99% | 31st below |
| Core Deposit Ratio | 91.81% | 86.86% | +4.95% | 66th above |
| Wholesale Funding Ratio | 8.12% | 5.03% | +3.09% | 21st 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. | 5.11% | 6.85% | -1.74% | 56th above |
| Loan Growth (Y/Y) | 15.39% | 7.90% | +7.49% | 86th top |
| Deposit Growth (Y/Y) | 2.65% | 6.29% | -3.64% | 40th below |
See Security National Bank of South Dakota's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Security National Bank of South Dakota, 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 National Bank of South Dakota profile, how to read a UBPR, or how this data updates.