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.
Loan-to-deposit ratio climbed 15.08 percentage points in Q2 2026, from 72.06% to 87.14%. It was the largest change from Q1 2026 among the key lines here. Within Wisconsin, Security State Bank is 24th of 153 on return on assets, 1.81% as of Q2 2026. The median for banks in the $100M-1B asset tier is 1.26% on return on assets. Security State Bank sits 0.55 points higher, at 1.81% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 29.15% |
| Tier 1 risk-based capital ratio | 29.15% |
| Total risk-based capital ratio | 30.41% |
| Tier 1 leverage ratio | 21.38% |
| Equity capital to assets | 20.89% |
| Tangible equity to tangible assets | 20.89% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.37% |
| Non-performing assets ratio | 0.25% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 1.11% |
| Allowance for credit losses to loans | 1.76% |
| Reserve coverage of non-performing loans | 480.30% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.81% |
| Return on equity | 8.81% |
| Net interest margin | 4.75% |
| Efficiency ratio | 49.93% |
| Yield on earning assets | 5.83% |
| Cost of funds | 1.34% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 87.14% |
| Core deposits to total deposits | 94.68% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 77.21% |
| Securities to assets | 21.22% |
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 | — | — | — | 21.27% | 1.29% |
| Q4 2023 | — | — | — | 20.67% | 1.38% |
| Q1 2024 | — | — | — | 20.99% | 1.85% |
| Q2 2024 | — | — | — | 21.86% | 2.29% |
| Q3 2024 | 29.47% | 29.47% | 30.73% | 20.82% | -0.06% |
| Q4 2024 | 30.00% | 30.00% | 31.25% | 20.98% | 1.95% |
| Q1 2025 | 30.35% | 30.35% | 31.60% | 19.78% | 2.12% |
| Q2 2025 | 28.70% | 28.70% | 29.96% | 20.33% | 2.04% |
| Q3 2025 | 30.54% | 30.54% | 31.79% | 20.08% | 1.64% |
| Q4 2025 | 30.06% | 30.06% | 31.32% | 20.06% | 1.57% |
| Q1 2026 | 31.88% | 31.88% | 33.13% | 19.69% | 3.40% |
| Q2 2026 | 29.15% | 29.15% | 30.41% | 21.38% | 1.81% |
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 9036) · FFIEC NIC profile (RSSD 43052)