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.
Reserve coverage of non-performing loans climbed 93.30 percentage points in Q2 2026, from 405.45% to 498.75%. It was the largest change from Q1 2026 among the key lines here. Among 225 Iowa banks, Security State Bank sits 4th from the top on return on assets, 2.63% as of Q2 2026. Against a median of 1.26% for banks in the $100M-1B asset tier, Security State Bank reported 2.63% on return on assets in Q2 2026, 1.37 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.12% |
| Equity capital to assets | 11.08% |
| Tangible equity to tangible assets | 11.08% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.23% |
| Non-performing assets ratio | 0.34% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 2.81% |
| Allowance for credit losses to loans | 1.15% |
| Reserve coverage of non-performing loans | 498.75% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.63% |
| Return on equity | 24.05% |
| Net interest margin | 4.15% |
| Efficiency ratio | 27.67% |
| Yield on earning assets | 6.62% |
| Cost of funds | 2.73% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 133.56% |
| Core deposits to total deposits | 86.32% |
| Brokered deposits to total deposits | 9.85% |
| Deposits to assets | 68.52% |
| Securities to assets | 0.21% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.97% | 1.82% | 3.32% | 0.25% | -0.01% |
| Q4 2023 | 10.45% | 1.47% | 3.41% | 0.15% | 0.01% |
| Q1 2024 | 10.10% | 1.66% | 3.29% | 0.13% | 0.00% |
| Q2 2024 | 10.11% | 2.24% | 3.38% | 0.15% | 0.00% |
| Q3 2024 | 10.25% | 2.21% | 3.49% | 0.15% | 0.00% |
| Q4 2024 | 10.37% | 2.34% | 3.77% | 0.17% | 0.02% |
| Q1 2025 | 10.21% | 2.41% | 3.85% | 0.23% | 0.00% |
| Q2 2025 | 10.31% | 2.45% | 3.88% | 0.24% | 0.00% |
| Q3 2025 | 10.75% | 2.51% | 4.05% | 0.34% | 0.00% |
| Q4 2025 | 10.98% | 2.71% | 4.13% | 0.39% | 0.35% |
| Q1 2026 | 10.85% | 2.64% | 4.11% | 0.27% | 0.00% |
| Q2 2026 | 11.12% | 2.63% | 4.15% | 0.23% | 0.00% |
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 235) · FFIEC NIC profile (RSSD 425845)