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 Pearsall, TX against its peer group of 941 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 | 1.35% | 1.34% | +0.01% | 54th above |
| ROAE | 14.49% | 12.40% | +2.09% | 66th above |
| Net Interest Margin | 2.98% | 3.83% | -0.85% | 14th bottom |
| Efficiency Ratio | 43.43% | 57.84% | -14.41% | 88th top |
| PPNR / Avg Assets | 1.70% | — | — | 47th below |
| Yield on Earning Assets | 5.01% | 5.71% | -0.70% | 21st bottom |
| Cost of Funds | 2.22% | 2.02% | +0.20% | 35th below |
| Net Interest Spread | 2.40% | — | — | 17th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 1.00% | -1.00% | 99th top |
| NPA / Total Assets | 0.43% | — | — | 54th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.08% | 0.43% | -0.35% | 32nd below |
| ACL / Total Loans | 0.89% | — | — | 19th bottom |
| Texas Ratio | 4.47% | 7.40% | -2.93% | 52nd above |
| Provision / NCO | 223.68% | — | — | 60th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 10.74% | 11.11% | -0.37% | 54th above |
| Equity / Assets | 9.50% | 11.02% | -1.52% | 32nd below |
| TCE / Tangible Assets | 9.31% | — | — | 39th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 55.19% | 86.99% | -31.80% | 95th top |
| Core Deposit Ratio | 61.98% | 85.57% | -23.59% | 4th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 26.36% | — | — | 94th top |
| Loan Growth (Y/Y) | 3.23% | — | — | 35th below |
| Deposit Growth (Y/Y) | 27.84% | — | — | 93rd top |
See Security State Bank's peers by name
The 941 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.