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 Scott City, KS against its peer group of 941 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 | 1.39% | 1.34% | +0.05% | 58th above |
| ROAE | 12.94% | 12.34% | +0.60% | 52nd above |
| Net Interest Margin | 3.58% | 3.83% | -0.25% | 40th below |
| Efficiency Ratio | 47.10% | 58.97% | -11.87% | 82nd top |
| PPNR / Avg Assets | 1.82% | — | — | 57th above |
| Yield on Earning Assets | 6.46% | 5.71% | +0.75% | 88th top |
| Cost of Funds | 3.10% | 2.02% | +1.08% | 6th bottom |
| Net Interest Spread | 3.04% | — | — | 47th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.26% | 0.87% | -0.61% | 73rd above |
| NPA / Total Assets | 0.19% | — | — | 74th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.10% | 0.43% | -0.33% | 28th below |
| ACL / Total Loans | 0.97% | — | — | 26th below |
| ACL / NPLs (Coverage) | 378.52% | — | — | 71st above |
| Texas Ratio | 1.78% | 5.48% | -3.70% | 72nd above |
| Provision / NCO | 94.95% | — | — | 32nd below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.96% | 14.99% | -3.03% | 23rd bottom |
| Tier 1 Ratio | 11.96% | 15.02% | -3.06% | 22nd bottom |
| Total Capital Ratio | 12.84% | — | — | 19th bottom |
| Leverage Ratio | 10.23% | 11.11% | -0.88% | 43rd below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.78% | 11.02% | -0.24% | 56th above |
| TCE / Tangible Assets | 9.93% | — | — | 53rd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 104.56% | 86.99% | +17.57% | 9th bottom |
| Core Deposit Ratio | 71.80% | 85.57% | -13.77% | 10th bottom |
| Wholesale Funding Ratio | 18.12% | — | — | 3rd bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.09% | — | — | 61st above |
| Loan Growth (Y/Y) | 1.58% | — | — | 25th below |
| Deposit Growth (Y/Y) | -6.22% | — | — | 3rd bottom |
See Security State Bank's peers by name
The 941 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.