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 Algona, 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 | 2.39% | 1.25% | +1.14% | 93rd top |
| ROAE | 8.95% | 12.22% | -3.27% | 29th below |
| Net Interest Margin | 5.15% | 3.95% | +1.20% | 94th top |
| Efficiency Ratio | 40.56% | 63.71% | -23.15% | 95th top |
| PPNR / Avg Assets | 3.10% | — | — | 96th top |
| Yield on Earning Assets | 6.20% | 5.67% | +0.53% | 77th top |
| Cost of Funds | 1.42% | 1.87% | -0.45% | 74th above |
| Net Interest Spread | 4.38% | — | — | 93rd top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.14% | 0.88% | +1.26% | 11th bottom |
| NPA / Total Assets | 1.65% | — | — | 10th bottom |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 2.19% | — | — | 95th top |
| ACL / NPLs (Coverage) | 102.27% | — | — | 27th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.68% | 5.96% | -0.28% | 32nd below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 27.26% | 11.75% | +15.51% | 98th top |
| Equity / Assets | 27.30% | 10.98% | +16.32% | 98th top |
| TCE / Tangible Assets | 27.30% | — | — | 98th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 105.76% | 80.44% | +25.32% | 6th bottom |
| Core Deposit Ratio | 85.46% | 86.95% | -1.49% | 32nd below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -6.79% | — | — | 3rd bottom |
| Loan Growth (Y/Y) | 6.08% | — | — | 54th above |
| Deposit Growth (Y/Y) | -11.54% | — | — | 1st 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.