Security Trust & Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Security Trust & Savings Bank of Storm Lake, IA 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 Behind the peer average, ahead of the median peer. | 1.28% | 1.35% | -0.07% | 51st above |
| ROAE | 13.40% | 12.05% | +1.35% | 56th above |
| Net Interest Margin | 2.75% | 3.90% | -1.15% | 6th bottom |
| Efficiency Ratio | 52.64% | 63.15% | -10.51% | 75th top |
| PPNR / Avg Assets | 1.30% | 1.64% | -0.34% | 33rd below |
| Yield on Earning Assets | 4.35% | 5.65% | -1.30% | 6th bottom |
| Cost of Funds | 1.75% | 1.85% | -0.10% | 53rd above |
| Net Interest Spread | 2.46% | 3.35% | -0.89% | 12th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.78% | 0.92% | -0.14% | 34th below |
| NPA / Total Assets | 0.23% | 0.67% | -0.44% | 57th above |
| NCO / Avg Loans | 0.19% | 0.15% | +0.04% | 13th bottom |
| ACL / Total Loans | 1.70% | 1.28% | +0.42% | 87th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 218.23% | 1645.75% | -1427.52% | 50th above |
| Texas Ratio | 2.36% | 7.15% | -4.79% | 60th above |
| Provision / NCO | 0.00% | 1189.92% | -1189.92% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 31.77% | 20.82% | +10.95% | 93rd top |
| Tier 1 Ratio | 31.77% | 20.85% | +10.92% | 93rd top |
| Total Capital Ratio | 33.02% | 21.93% | +11.09% | 94th top |
| Leverage Ratio | 10.41% | 12.46% | -2.05% | 40th below |
| Equity / Assets | 9.91% | 11.67% | -1.76% | 43rd below |
| TCE / Tangible Assets | 9.41% | 11.40% | -1.99% | 38th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 33.31% | 78.66% | -45.35% | 97th top |
| Core Deposit Ratio | 92.74% | 87.09% | +5.65% | 72nd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.79% | 6.48% | -7.27% | 15th bottom |
| Loan Growth (Y/Y) | 3.05% | 7.64% | -4.59% | 37th below |
| Deposit Growth (Y/Y) | -1.83% | 6.03% | -7.86% | 14th bottom |
See Security Trust & Savings Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Security Trust & Savings 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 Trust & Savings Bank profile, how to read a UBPR, or how this data updates.