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 Monmouth, IL against its peer group of 2757 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 | 0.77% | 1.25% | -0.48% | 20th bottom |
| ROAE | 6.95% | 13.17% | -6.22% | 20th bottom |
| Net Interest Margin | 3.87% | 3.95% | -0.08% | 46th below |
| Efficiency Ratio | 74.69% | 61.50% | +13.19% | 19th bottom |
| PPNR / Avg Assets | 0.96% | — | — | 18th bottom |
| Yield on Earning Assets | 4.96% | 5.67% | -0.71% | 21st bottom |
| Cost of Funds | 1.16% | 1.87% | -0.71% | 86th top |
| Net Interest Spread | 3.64% | — | — | 66th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.41% | 0.93% | -0.52% | 50th above |
| NPA / Total Assets | 0.26% | — | — | 54th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.02% | 0.15% | -0.13% | 35th below |
| ACL / Total Loans | 1.17% | — | — | 47th below |
| ACL / NPLs (Coverage) | 283.41% | — | — | 58th above |
| Texas Ratio | 1.56% | 6.06% | -4.50% | 62nd above |
| Provision / NCO | 0.00% | — | — | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.97% | 11.75% | +1.22% | 74th above |
| Equity / Assets | 11.35% | 10.98% | +0.37% | 64th above |
| TCE / Tangible Assets | 11.35% | — | — | 67th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 72.42% | 80.44% | -8.02% | 67th above |
| Core Deposit Ratio | 94.37% | 86.95% | +7.42% | 81st top |
| Wholesale Funding Ratio | 1.10% | — | — | 80th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.62% | — | — | 29th below |
| Loan Growth (Y/Y) | 0.96% | — | — | 26th below |
| Deposit Growth (Y/Y) | -0.98% | — | — | 18th bottom |
See Security Savings Bank's peers by name
The 2757 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. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Security Savings Bank peer analysis.