Security State Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 34.23 percentage points higher than in Q1 2026, at 378.52%. Within Kansas, Security State Bank is 104th of 182 on return on assets, 1.39% as of Q2 2026. The median for banks in the $1B-10B asset tier is 1.27% on return on assets. Security State Bank sits 0.12 points higher, at 1.39% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.96% |
| Tier 1 risk-based capital ratio | 11.96% |
| Total risk-based capital ratio | 12.84% |
| Tier 1 leverage ratio | 10.23% |
| Equity capital to assets | 10.78% |
| Tangible equity to tangible assets | 9.93% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.26% |
| Non-performing assets ratio | 0.19% |
| Net charge-off ratio | 0.10% |
| Texas ratio | 1.78% |
| Allowance for credit losses to loans | 0.97% |
| Reserve coverage of non-performing loans | 378.52% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.39% |
| Return on equity | 12.94% |
| Net interest margin | 3.58% |
| Efficiency ratio | 47.10% |
| Yield on earning assets | 6.46% |
| Cost of funds | 3.10% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 104.56% |
| Core deposits to total deposits | 71.80% |
| Brokered deposits to total deposits | 15.22% |
| Deposits to assets | 70.40% |
| Securities to assets | 19.72% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 14.36% | 14.36% | 15.30% | 13.71% | 1.25% |
| Q4 2023 | 13.63% | 13.63% | 14.63% | 12.56% | 1.29% |
| Q1 2024 | 13.20% | 13.20% | 14.15% | 12.36% | 1.29% |
| Q2 2024 | 11.26% | 11.26% | 12.00% | 9.94% | 0.36% |
| Q3 2024 | 11.51% | 11.51% | 12.31% | 10.07% | 0.84% |
| Q4 2024 | 11.02% | 11.02% | 11.89% | 9.61% | 0.82% |
| Q1 2025 | 11.89% | 11.89% | 12.78% | 9.93% | 1.01% |
| Q2 2025 | 11.30% | 11.30% | 12.21% | 9.79% | 1.12% |
| Q3 2025 | 11.56% | 11.56% | 12.47% | 10.15% | 1.37% |
| Q4 2025 | 11.51% | 11.51% | 12.44% | 10.03% | 1.47% |
| Q1 2026 | 11.94% | 11.94% | 12.84% | 10.21% | 1.39% |
| Q2 2026 | 11.96% | 11.96% | 12.84% | 10.23% | 1.39% |
Security State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Security State Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Security State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18374) · FFIEC NIC profile (RSSD 319551)