Security State Bank & Trust: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Security State Bank & Trust of Fredericksburg, TX against its peer group of 931 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 | 2.37% | 1.46% | +0.91% | 95th top |
| ROAE | 20.06% | 12.71% | +7.35% | 89th top |
| Net Interest Margin | 5.17% | 3.85% | +1.32% | 96th top |
| Efficiency Ratio | 51.53% | 57.41% | -5.88% | 71st above |
| PPNR / Avg Assets | 2.63% | 1.88% | +0.75% | 90th top |
| Yield on Earning Assets | 6.43% | 5.72% | +0.71% | 88th top |
| Cost of Funds | 1.15% | 2.02% | -0.87% | 91st top |
| Net Interest Spread | 4.51% | 3.18% | +1.33% | 96th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 3.21% | 1.00% | +2.21% | 5th bottom |
| NPA / Total Assets | 2.30% | 0.76% | +1.54% | 5th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.10% | 0.43% | -0.33% | 29th below |
| ACL / Total Loans | 1.07% | 1.31% | -0.24% | 39th below |
| ACL / NPLs (Coverage) | 33.34% | 543.79% | -510.45% | 3rd bottom |
| Texas Ratio | 20.21% | 7.38% | +12.83% | 7th bottom |
| Provision / NCO | 661.99% | 618.56% | +43.43% | 81st top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.58% | 11.44% | +1.14% | 81st top |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.79% | 11.34% | -0.55% | 57th above |
| TCE / Tangible Assets | 10.79% | 10.50% | +0.29% | 68th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 86.34% | 86.95% | -0.61% | 55th above |
| Core Deposit Ratio | 94.33% | 85.55% | +8.78% | 81st top |
| Uninsured Deposit Ratio | 25.67% | 33.13% | -7.46% | 70th above |
| Wholesale Funding Ratio | 6.02% | 5.70% | +0.32% | 34th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 8.44% | 9.68% | -1.24% | 69th above |
| Loan Growth (Y/Y) | 10.86% | 8.05% | +2.81% | 76th top |
| Deposit Growth (Y/Y) | 4.48% | 7.87% | -3.39% | 48th below |
See Security State Bank & Trust's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Security State Bank & Trust, 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 & Trust profile, how to read a UBPR, or how this data updates.