Security Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Security Savings Bank of Gowrie, IA 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 | 2.26% | 1.35% | +0.91% | 91st top |
| ROAE | 15.77% | 12.05% | +3.72% | 70th above |
| Net Interest Margin | 4.88% | 3.90% | +0.98% | 90th top |
| Efficiency Ratio | 47.97% | 63.15% | -15.18% | 84th top |
| PPNR / Avg Assets | 2.45% | 1.64% | +0.81% | 88th top |
| Yield on Earning Assets | 6.04% | 5.65% | +0.39% | 70th above |
| Cost of Funds | 1.25% | 1.85% | -0.60% | 82nd top |
| Net Interest Spread | 4.45% | 3.35% | +1.10% | 93rd top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.11% | 0.92% | -0.81% | 72nd above |
| NPA / Total Assets | 0.09% | 0.67% | -0.58% | 71st above |
| NCO / Avg Loans | -0.01% | 0.15% | -0.16% | 89th top |
| ACL / Total Loans | 1.56% | 1.28% | +0.28% | 82nd top |
| ACL / NPLs (Coverage) | 1364.07% | 1645.26% | -281.19% | — |
| Texas Ratio | 0.65% | 7.15% | -6.50% | 77th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 15.15% | 20.83% | -5.68% | 50th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 15.15% | 20.87% | -5.72% | 50th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 16.40% | 21.94% | -5.54% | 51st above |
| Leverage Ratio | 13.17% | 12.46% | +0.71% | 76th top |
| Equity / Assets | 14.66% | 11.67% | +2.99% | 87th top |
| TCE / Tangible Assets | 12.99% | 11.40% | +1.59% | 80th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 90.75% | 78.64% | +12.11% | 27th below |
| Core Deposit Ratio | 92.51% | 87.09% | +5.42% | 71st above |
| Wholesale Funding Ratio | 1.16% | 5.12% | -3.96% | 79th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.31% | 6.48% | -5.17% | 27th below |
| Loan Growth (Y/Y) | 12.69% | 7.64% | +5.05% | 81st top |
| Deposit Growth (Y/Y) | -1.07% | 6.03% | -7.10% | 18th bottom |
See Security Savings Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Security Savings 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 Savings Bank profile, how to read a UBPR, or how this data updates.