Security State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Security State Bank of Alexandria, SD 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 | 0.03% | 1.25% | -1.22% | 4th bottom |
| ROAE | 0.38% | 13.17% | -12.79% | 4th bottom |
| Net Interest Margin | 3.69% | 3.95% | -0.26% | 36th below |
| Efficiency Ratio | 78.05% | 61.50% | +16.55% | 14th bottom |
| PPNR / Avg Assets | 0.74% | — | — | 12th bottom |
| Yield on Earning Assets | 5.33% | 5.67% | -0.34% | 36th below |
| Cost of Funds | 1.69% | 1.87% | -0.18% | 57th above |
| Net Interest Spread | 3.07% | — | — | 35th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 3.72% | 0.93% | +2.79% | 4th bottom |
| NPA / Total Assets | 1.96% | — | — | 8th bottom |
| NCO / Avg Loans | 1.48% | 0.15% | +1.33% | 2nd bottom |
| ACL / Total Loans | 1.16% | — | — | 46th below |
| ACL / NPLs (Coverage) | 31.19% | — | — | 4th bottom |
| Texas Ratio | 26.25% | 6.06% | +20.19% | 3rd bottom |
| Provision / NCO | 71.43% | — | — | 32nd below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.55% | 17.18% | -3.63% | 34th below |
| Tier 1 Ratio | 13.55% | 17.21% | -3.66% | 34th below |
| Total Capital Ratio | 14.55% | — | — | 32nd below |
| Leverage Ratio | 8.24% | 11.75% | -3.51% | 3rd bottom |
| Equity / Assets | 6.86% | 10.98% | -4.12% | 5th bottom |
| TCE / Tangible Assets | 6.86% | — | — | 6th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 56.76% | 80.44% | -23.68% | 87th top |
| Core Deposit Ratio | 95.44% | 86.95% | +8.49% | 86th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.44% | — | — | 28th below |
| Loan Growth (Y/Y) | -7.91% | — | — | 4th bottom |
| Deposit Growth (Y/Y) | 2.50% | — | — | 38th below |
See Security State Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Security State 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 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.