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 Farwell, TX 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 | 2.14% | 1.25% | +0.89% | 88th top |
| ROAE | 14.88% | 12.22% | +2.66% | 65th above |
| Net Interest Margin | 4.23% | 3.95% | +0.28% | 66th above |
| Efficiency Ratio | 41.79% | 63.71% | -21.92% | 94th top |
| PPNR / Avg Assets | 2.44% | — | — | 87th top |
| Yield on Earning Assets | 6.55% | 5.67% | +0.88% | 88th top |
| Cost of Funds | 2.57% | 1.87% | +0.70% | 13th bottom |
| Net Interest Spread | 3.53% | — | — | 60th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.03% | 0.88% | -0.85% | 82nd top |
| NPA / Total Assets | 1.18% | — | — | 17th bottom |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 1.04% | — | — | 31st below |
| ACL / NPLs (Coverage) | 3362.65% | — | — | — |
| Texas Ratio | 7.76% | 5.96% | +1.80% | 24th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 14.61% | 11.75% | +2.86% | 84th top |
| Equity / Assets | 14.36% | 10.98% | +3.38% | 86th top |
| TCE / Tangible Assets | 14.36% | — | — | 87th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 93.03% | 80.44% | +12.59% | 22nd bottom |
| Core Deposit Ratio | 94.09% | 86.95% | +7.14% | 80th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.87% | — | — | 53rd above |
| Loan Growth (Y/Y) | 15.84% | — | — | 87th top |
| Deposit Growth (Y/Y) | 3.64% | — | — | 47th 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.