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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 3.55 percentage points higher than in Q1 2026, at 208.40%. Within Kansas, Security State Bank is 139th of 182 on return on assets, 1.09% as of Q2 2026, below the middle of the field. Security State Bank reported 1.09% on return on assets for Q2 2026, 0.11 points above the 0.98% median for banks in the < $100M asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 15.56% |
| Equity capital to assets | 13.00% |
| Tangible equity to tangible assets | 13.00% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.44% |
| Non-performing assets ratio | 0.48% |
| Net charge-off ratio | 0.06% |
| Texas ratio | 3.40% |
| Allowance for credit losses to loans | 3.00% |
| Reserve coverage of non-performing loans | 208.40% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.09% |
| Return on equity | 8.34% |
| Net interest margin | 3.87% |
| Efficiency ratio | 69.94% |
| Yield on earning assets | 4.77% |
| Cost of funds | 0.97% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 38.17% |
| Core deposits to total deposits | 92.06% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.53% |
| Securities to assets | 33.84% |
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 | 15.35% | 0.50% | 3.10% | 0.00% | -0.02% |
| Q4 2023 | 15.03% | 0.06% | 3.03% | 0.00% | 0.00% |
| Q1 2024 | 15.05% | 0.46% | 3.16% | 0.00% | -0.06% |
| Q2 2024 | 15.13% | -0.19% | 3.24% | 1.64% | 0.02% |
| Q3 2024 | 15.68% | 0.68% | 3.40% | 1.62% | -0.04% |
| Q4 2024 | 15.45% | 0.37% | 3.32% | 1.66% | 0.04% |
| Q1 2025 | 15.57% | 0.49% | 3.46% | 1.44% | 0.04% |
| Q2 2025 | 15.95% | 1.06% | 3.62% | 1.42% | -0.02% |
| Q3 2025 | 15.54% | 1.11% | 3.72% | 1.29% | 0.02% |
| Q4 2025 | 14.47% | 0.51% | 3.73% | 1.33% | 0.00% |
| Q1 2026 | 15.15% | 1.20% | 3.80% | 1.34% | 0.00% |
| Q2 2026 | 15.56% | 1.09% | 3.87% | 1.44% | 0.06% |
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 12422) · FFIEC NIC profile (RSSD 73956)