The Security State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Security State Bank of Emery, SD against its peer group of 536 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 Behind the peer average, ahead of the median peer. | 1.98% | 3.14% | -1.16% | 82nd top |
| ROAE Behind the peer average, ahead of the median peer. | 10.27% | 10.42% | -0.15% | 60th above |
| Net Interest Margin | 4.28% | 3.93% | +0.35% | 67th above |
| Efficiency Ratio | 36.13% | 76.37% | -40.24% | 97th top |
| PPNR / Avg Assets | 2.67% | 1.40% | +1.27% | 92nd top |
| Yield on Earning Assets | 5.21% | 5.35% | -0.14% | 49th below |
| Cost of Funds | 1.13% | 1.71% | -0.58% | 72nd above |
| Net Interest Spread | 3.59% | 3.31% | +0.28% | 62nd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 1.34% | -1.34% | 83rd top |
| NPA / Total Assets | 0.00% | 0.71% | -0.71% | 81st top |
| NCO / Avg Loans | 0.00% | 0.11% | -0.11% | 53rd above |
| ACL / Total Loans | 1.02% | 1.49% | -0.47% | 29th below |
| Texas Ratio | 0.00% | 8.26% | -8.26% | 84th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 43.35% | 61.93% | -18.58% | 77th top |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 43.35% | 61.94% | -18.59% | 77th top |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 43.97% | 62.90% | -18.93% | 77th top |
| Leverage Ratio | 19.51% | 17.60% | +1.91% | 79th top |
| Equity / Assets | 18.93% | 16.42% | +2.51% | 78th top |
| TCE / Tangible Assets | 18.93% | 16.17% | +2.76% | 79th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 32.44% | 72.90% | -40.46% | 90th top |
| Core Deposit Ratio | 96.97% | 88.20% | +8.77% | 82nd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 5.38% | 4.30% | +1.08% | 65th above |
| Loan Growth (Y/Y) | -7.91% | 6.75% | -14.66% | 12th bottom |
| Deposit Growth (Y/Y) | 4.20% | 3.77% | +0.43% | 62nd above |
See The Security State Bank's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The 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 The Security State Bank profile, how to read a UBPR, or how this data updates.