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 Radcliffe, 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 | 1.23% | 1.25% | -0.02% | 47th below |
| ROAE | 15.23% | 13.17% | +2.06% | 66th above |
| Net Interest Margin | 2.97% | 3.95% | -0.98% | 8th bottom |
| Efficiency Ratio | 62.48% | 61.50% | +0.98% | 46th below |
| PPNR / Avg Assets | 1.12% | — | — | 24th bottom |
| Yield on Earning Assets | 4.77% | 5.67% | -0.90% | 15th bottom |
| Cost of Funds | 1.90% | 1.87% | +0.03% | 43rd below |
| Net Interest Spread | 2.40% | — | — | 10th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.42% | 0.93% | +0.49% | 20th bottom |
| NPA / Total Assets | 0.65% | — | — | 32nd below |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 1.07% | — | — | 35th below |
| ACL / NPLs (Coverage) | 75.88% | — | — | 20th bottom |
| Texas Ratio | 15.73% | 6.06% | +9.67% | 9th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.51% | 17.18% | -2.67% | 44th below |
| Tier 1 Ratio | 14.51% | 17.21% | -2.70% | 44th below |
| Total Capital Ratio | 15.36% | — | — | 41st below |
| Leverage Ratio | 8.27% | 11.75% | -3.48% | 4th bottom |
| Equity / Assets | 8.22% | 10.98% | -2.76% | 15th bottom |
| TCE / Tangible Assets | 7.92% | — | — | 15th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 49.93% | 80.44% | -30.51% | 92nd top |
| Core Deposit Ratio | 92.25% | 86.95% | +5.30% | 69th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -3.06% | — | — | 8th bottom |
| Loan Growth (Y/Y) | 2.86% | — | — | 35th below |
| Deposit Growth (Y/Y) | -3.72% | — | — | 9th bottom |
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.