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.
Loan-to-deposit ratio climbed 7.40 percentage points in Q2 2026, from 61.16% to 68.56%. It was the largest change from Q1 2026 among the key lines here. Within Wyoming, Security State Bank is 21st of 24 on return on assets, 0.57% as of Q2 2026. Security State Bank's return on assets of 0.57% is well below the 1.26% median for banks in the $100M-1B asset tier, a gap of 0.69 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 16.19% |
| Tier 1 risk-based capital ratio | 16.19% |
| Total risk-based capital ratio | 17.37% |
| Tier 1 leverage ratio | 10.44% |
| Equity capital to assets | 8.60% |
| Tangible equity to tangible assets | 8.60% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.22% |
| Non-performing assets ratio | 0.13% |
| Net charge-off ratio | 0.03% |
| Texas ratio | 1.00% |
| Allowance for credit losses to loans | 1.31% |
| Reserve coverage of non-performing loans | 593.75% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.57% |
| Return on equity | 6.77% |
| Net interest margin | 3.26% |
| Efficiency ratio | 74.26% |
| Yield on earning assets | 4.94% |
| Cost of funds | 1.79% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 68.56% |
| Core deposits to total deposits | 92.47% |
| Brokered deposits to total deposits | 1.32% |
| Deposits to assets | 84.62% |
| Securities to assets | 35.59% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 18.37% | 18.37% | 19.62% | 10.04% | 0.07% |
| Q4 2023 | 18.75% | 18.75% | 20.00% | 9.92% | 0.33% |
| Q1 2024 | 18.68% | 18.68% | 19.93% | 9.68% | 0.40% |
| Q2 2024 | 17.95% | 17.95% | 19.16% | 9.99% | 0.50% |
| Q3 2024 | 18.71% | 18.71% | 19.96% | 10.19% | 0.23% |
| Q4 2024 | 16.91% | 16.91% | 18.07% | 9.87% | 0.17% |
| Q1 2025 | 17.05% | 17.05% | 18.24% | 9.96% | 0.20% |
| Q2 2025 | 17.08% | 17.08% | 18.29% | 10.21% | 0.38% |
| Q3 2025 | 16.90% | 16.90% | 18.07% | 10.21% | 0.61% |
| Q4 2025 | 18.08% | 18.08% | 19.33% | 10.04% | 0.55% |
| Q1 2026 | 17.42% | 17.42% | 18.63% | 10.43% | 0.53% |
| Q2 2026 | 16.19% | 16.19% | 17.37% | 10.44% | 0.57% |
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 12592) · FFIEC NIC profile (RSSD 955959)