Security State Bank of Warroad: 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 Warroad of Warroad, MN against its peer group of 2672 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 | 0.68% | 1.34% | -0.66% | 19th bottom |
| ROAE | 5.60% | 13.32% | -7.72% | 16th bottom |
| Net Interest Margin | 3.53% | 3.93% | -0.40% | 28th below |
| Efficiency Ratio | 67.93% | 61.14% | +6.79% | 33rd below |
| PPNR / Avg Assets | 1.01% | 1.68% | -0.67% | 21st bottom |
| Yield on Earning Assets | 4.66% | 5.67% | -1.01% | 12th bottom |
| Cost of Funds | 1.26% | 1.88% | -0.62% | 82nd top |
| Net Interest Spread | 2.85% | 3.32% | -0.47% | 26th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 93rd top |
| NPA / Total Assets | 0.00% | 0.70% | -0.70% | 94th top |
| NCO / Avg Loans | 0.71% | 0.16% | +0.55% | 5th bottom |
| ACL / Total Loans | 2.98% | 1.28% | +1.70% | 98th top |
| Texas Ratio | 14.90% | 7.33% | +7.57% | 13th bottom |
| Provision / NCO | 104.17% | 1395.75% | -1291.58% | 41st below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 16.41% | 12.14% | +4.27% | 91st top |
| Equity / Assets | 12.60% | 11.37% | +1.23% | 75th top |
| TCE / Tangible Assets | 12.60% | 11.09% | +1.51% | 77th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 58.07% | 80.64% | -22.57% | 85th top |
| Core Deposit Ratio | 90.57% | 86.86% | +3.71% | 58th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -2.27% | 6.85% | -9.12% | 10th bottom |
| Loan Growth (Y/Y) | 3.18% | 7.90% | -4.72% | 38th below |
| Deposit Growth (Y/Y) | -4.39% | 6.29% | -10.68% | 8th bottom |
See Security State Bank of Warroad's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Security State Bank of Warroad, 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 of Warroad profile, how to read a UBPR, or how this data updates.