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Security State Bank: Peer Group Comparison

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Average peer standing 85/100
Peer group Banks with $100M to $1B in assets
Peers compared 2799
Quartile spread 14 best quarter · 4 better half · 1 worse half · 0 worst quarter
CET1 Ratio · better than 97% of peersTotal Capital Ratio · better than 97% of peersTier 1 Ratio · better than 97% of peers NCO / Avg Loans · better than 47% of peersCRE / Total Capital · better than 63% of peersNPL / Total Loans · better than 65% of peers

Data as of · peers are US banks in the same asset tier. How we update

This page benchmarks Security State Bank of Centralia, WA against its peer group of 2799 similarly-sized US banks as of Q1 2025. The peer group is every US bank in the same asset tier (banks with $100M to $1B in assets). The credit quality page compares against a shorter list, the 10 nearest banks by size in the same tier, so its peer medians can differ from the ones here. For each metric the bank's value is shown next to the peer-group median and the bank's percentile within the group, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Best quarter means the bank is among the strongest 25% of its peers on that measure.

How to read the peer columns: Peer median is the middle bank of the peer group. The percentile is the share of the other banks in the group with a lower value, so a high percentile is good for return on assets and bad for the efficiency ratio. The tag says which it is: better half or worse half, with the best and worst quarters marked. Measures with no better direction, such as loans to deposits and growth, carry no tag.

Profitability

Metric This bank Peer median Diff Percentile and standing
ROAA 2.49% 1.02% +1.47% 96th best quarter
ROAE 14.98% 10.71% +4.27% 73rd better half
Net Interest Margin 4.48% 3.55% +0.93% 87th best quarter
Efficiency Ratio 46.92% 65.49% -18.57% 9th best quarter
PPNR / Avg Assets 2.49% 1.28% +1.21% 93rd best quarter
Yield on Earning Assets 5.27% 5.37% -0.10% 45th
Cost of Funds 0.75% 1.97% -1.22% 4th best quarter
Net Interest Spread 3.99% 2.87% +1.12% 91st best quarter

Asset Quality

Metric This bank Peer median Diff Percentile and standing
NPL / Total Loans 0.16% 0.34% -0.18% 35th better half
NPA / Total Assets 0.06% 0.25% -0.19% 27th better half
NCO / Avg Loans 0.00% 0.00% +0.00% 53rd worse half
ACL / Total Loans 2.96% 1.20% +1.76% 99th
ACL / NPLs (Coverage) 1849.47% 267.72% +1581.75% —
Texas Ratio 0.34% 2.29% -1.95% 22nd best quarter
Provision / NCO 0.00% 132.30% -132.30% 16th
CRE / Total Capital 87.26% 122.39% -35.13% 37th better half

Capital Adequacy

Metric This bank Peer median Diff Percentile and standing
CET1 Ratio 40.73% 14.77% +25.96% 97th best quarter
Tier 1 Ratio 40.73% 14.82% +25.91% 97th best quarter
Total Capital Ratio 42.00% 15.94% +26.06% 97th best quarter
Leverage Ratio 16.77% 10.70% +6.07% 93rd best quarter
Equity / Assets 17.03% 9.65% +7.38% 94th best quarter
TCE / Tangible Assets 16.85% 9.41% +7.44% 95th best quarter

Liquidity & Funding

Metric This bank Peer median Diff Percentile and standing
Loan / Deposit 46.91% 78.44% -31.53% 8th
Core Deposit Ratio 97.63% 89.28% +8.35% 94th best quarter

Growth & Management

Metric This bank Peer median Diff Percentile and standing
Asset Growth (Y/Y) 2.50% 4.05% -1.55% 38th
Loan Growth (Y/Y) 2.61% 5.35% -2.74% 34th
Deposit Growth (Y/Y) 0.70% 4.71% -4.01% 25th

See Security State Bank's peers by name

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Source: 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 State 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 State Bank peer analysis.