Security Trust & Savings 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.
Reserve coverage of non-performing loans dropped 3.11 percentage points in Q2 2026, from 221.34% to 218.23%. It was the largest change from Q1 2026 among the key lines here. Within Iowa, Security Trust & Savings Bank is 134th of 225 on return on assets, 1.28% as of Q2 2026, below the middle of the field. At 1.28%, Security Trust & Savings Bank's return on assets is close to the 1.25% median for banks in the $100M-1B asset tier (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 31.77% |
| Tier 1 risk-based capital ratio | 31.77% |
| Total risk-based capital ratio | 33.02% |
| Tier 1 leverage ratio | 10.41% |
| Equity capital to assets | 9.91% |
| Tangible equity to tangible assets | 9.41% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.78% |
| Non-performing assets ratio | 0.23% |
| Net charge-off ratio | 0.19% |
| Texas ratio | 2.36% |
| Allowance for credit losses to loans | 1.70% |
| Reserve coverage of non-performing loans | 218.23% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.28% |
| Return on equity | 13.40% |
| Net interest margin | 2.75% |
| Efficiency ratio | 52.64% |
| Yield on earning assets | 4.35% |
| Cost of funds | 1.75% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 33.31% |
| Core deposits to total deposits | 92.74% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.86% |
| Securities to assets | 35.13% |
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 | 27.44% | 27.44% | 28.70% | 9.71% | 0.48% |
| Q4 2023 | 26.23% | 26.23% | 27.48% | 9.66% | 0.49% |
| Q1 2024 | 28.17% | 28.17% | 29.42% | 9.77% | 0.37% |
| Q2 2024 | 29.57% | 29.57% | 30.82% | 9.67% | 0.51% |
| Q3 2024 | 30.13% | 30.13% | 31.38% | 9.77% | 0.34% |
| Q4 2024 | 28.63% | 28.63% | 29.88% | 9.39% | 0.70% |
| Q1 2025 | 29.59% | 29.59% | 30.84% | 9.79% | 0.87% |
| Q2 2025 | 30.36% | 30.36% | 31.62% | 9.71% | 1.04% |
| Q3 2025 | 31.87% | 31.87% | 33.13% | 10.14% | 1.11% |
| Q4 2025 | 29.77% | 29.77% | 31.02% | 9.84% | 1.04% |
| Q1 2026 | 31.34% | 31.34% | 32.59% | 10.27% | 1.20% |
| Q2 2026 | 31.77% | 31.77% | 33.02% | 10.41% | 1.28% |
Security Trust & Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Security Trust & Savings 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 Trust & Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 968) · FFIEC NIC profile (RSSD 363648)