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 Sutherland, IA 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 | 2.63% | 1.25% | +1.38% | 95th top |
| ROAE | 24.05% | 12.22% | +11.83% | 94th top |
| Net Interest Margin | 4.15% | 3.95% | +0.20% | 61st above |
| Efficiency Ratio | 27.67% | 63.71% | -36.04% | 99th top |
| PPNR / Avg Assets | 2.99% | — | — | 95th top |
| Yield on Earning Assets | 6.62% | 5.67% | +0.95% | 90th top |
| Cost of Funds | 2.73% | 1.87% | +0.86% | 10th bottom |
| Net Interest Spread | 3.55% | — | — | 61st above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.23% | 0.88% | -0.65% | 63rd above |
| NPA / Total Assets | 0.34% | — | — | 48th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.00% | 0.15% | -0.15% | 46th below |
| ACL / Total Loans | 1.15% | — | — | 45th below |
| ACL / NPLs (Coverage) | 498.75% | — | — | 70th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 2.81% | 5.96% | -3.15% | 49th below |
| Provision / NCO | 7500.00% | — | — | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.12% | 11.75% | -0.63% | 52nd above |
| Equity / Assets | 11.08% | 10.98% | +0.10% | 61st above |
| TCE / Tangible Assets | 11.08% | — | — | 64th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 133.56% | 80.44% | +53.12% | 0th bottom |
| Core Deposit Ratio | 86.32% | 86.95% | -0.63% | 36th below |
| Wholesale Funding Ratio | 20.11% | — | — | 1st bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.66% | — | — | 73rd above |
| Loan Growth (Y/Y) | 6.50% | — | — | 56th above |
| Deposit Growth (Y/Y) | 9.61% | — | — | 81st top |
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.