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 Cheyenne, OK 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 | 2.41% | 1.25% | +1.16% | 93rd top |
| ROAE | 23.59% | 12.22% | +11.37% | 94th top |
| Net Interest Margin | 4.56% | 3.95% | +0.61% | 81st top |
| Efficiency Ratio | 42.15% | 63.71% | -21.56% | 93rd top |
| PPNR / Avg Assets | 2.62% | — | — | 91st top |
| Yield on Earning Assets | 5.92% | 5.67% | +0.25% | 64th above |
| Cost of Funds | 1.49% | 1.87% | -0.38% | 70th above |
| Net Interest Spread | 3.98% | — | — | 82nd top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.67% | 0.88% | -0.21% | 39th below |
| NPA / Total Assets | 0.41% | — | — | 43rd below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.13% | 0.15% | -0.02% | 17th bottom |
| ACL / Total Loans | 1.89% | — | — | 92nd top |
| ACL / NPLs (Coverage) | 284.47% | — | — | 57th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 3.85% | 5.96% | -2.11% | 42nd below |
| Provision / NCO | 226.42% | — | — | 59th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.73% | 11.75% | -1.02% | 45th below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.48% | 10.98% | -0.50% | 51st above |
| TCE / Tangible Assets | 9.67% | — | — | 43rd below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 70.25% | 80.44% | -10.19% | 70th above |
| Core Deposit Ratio | 77.24% | 86.95% | -9.71% | 11th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.44% | — | — | 49th below |
| Loan Growth (Y/Y) | 11.46% | — | — | 77th top |
| Deposit Growth (Y/Y) | 3.52% | — | — | 46th 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.