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Security Bank of Pulaski County

$100M-$1B Specialty: Commercial MO FDIC cert 15347

Saint Robert, MO

3 branches across MO

2664 banks in the $100M-$1B peer group nationally 143 in MO
View $100M-$1B leaderboard (MO) →

Security Bank of Pulaski County has 1 strength but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Net Interest Margin 0.18% above tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 24.4% in tier
  • - ROA 0.29% below tier average
  • - Efficiency Ratio 4.08% above tier average
Get updates when Security Bank of Pulaski County releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Total Assets ? $162.5M
+2.4% YoY -2.7% QoQ
-$223.6M $386.1M
+0.5% YoY
$1.6B
+6.5% YoY
$6.2B
+9.1% YoY
18%
Total Loans ? $94.4M
+3.3% YoY +1.0% QoQ
-$161.3M $255.7M
+1.1% YoY
$1.0B
+8.5% YoY
$3.2B
+10.8% YoY
18%
Total Deposits ? $146.4M
+1.0% YoY -3.1% QoQ
-$181.6M $328.0M
+0.1% YoY
$1.3B
+6.1% YoY
$4.8B
+8.2% YoY
20%
Return on Assets ? 0.98%
+27.7% YoY +9.2% QoQ
-0.29% 1.27%
+12.9% YoY
1.43%
+10.8% YoY
1.23%
+13.4% YoY
36%
Net Interest Margin ? 4.11%
+9.4% YoY -1.1% QoQ
+0.18% 3.93%
+6.0% YoY
4.51%
+2.1% YoY
3.89%
+5.7% YoY
64%
Efficiency Ratio ? 69.36%
-6.5% YoY -3.8% QoQ
+4.08% 65.29%
-4.5% YoY
59.97%
-5.2% YoY
66.95%
-4.1% YoY
34%
Delinquency Rate ? 0.98%
+56.1% YoY -6.1% QoQ
+0.09% 0.89%
+18.8% YoY
0.83%
+18.3% YoY
0.95%
+18.8% YoY
28%
Loan-to-Deposit Ratio ? 64.50%
+2.3% YoY +4.1% QoQ
-12.14% 76.64%
+0.8% YoY
79.48%
+1.6% YoY
76.70%
+0.9% YoY
76%
Non-Interest-Bearing Deposit Share ? 24.33%
-4.3% YoY +3.8% QoQ
+2.31% 22.02%
-1.0% YoY
20.72%
+0.3% YoY
22.01%
-1.2% YoY
64%
Nonperforming Asset Ratio ? 0.95%
+49.1% YoY +17.2% QoQ
+0.31% 0.64%
+19.7% YoY
0.67%
+20.5% YoY
0.67%
+19.3% YoY
21%
Tier 1 Capital Ratio ? 13.32%
+5.8% YoY +1.0% QoQ
-2.51% 15.83%
+1.5% YoY
15.44%
-0.4% YoY
17.06%
+0.8% YoY
50%
Non-Interest Income / Assets ? 0.11%
-1.2% YoY -74.7% QoQ
-0.17% 0.28%
+9.3% YoY
0.29%
+5.6% YoY
0.32%
+4.1% YoY
56%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Credit Risk Growth

risk
#238 of 973 • Bottom 24.4% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

973 of 973 Community banks match · 1464 nationally
→ Stable -10 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2664 peers in $100M-$1B

Top Strengths (1 metrics)

650
Loan-to-Deposit Ratio
liquidity
Value: 64.50%
Peer Median: 76.64%
#650 of 2664 Top 24.4% in $100M-$1B

Top Weaknesses (4 metrics)

2196
Total Assets
size
Value: $162.48M
Peer Median: $386.08M
#2196 of 2664 Bottom 17.6% in $100M-$1B
2194
Total Loans
size
Value: $94.43M
Peer Median: $255.72M
#2194 of 2664 Bottom 17.7% in $100M-$1B
2127
Total Deposits
size
Value: $146.39M
Peer Median: $327.97M
#2127 of 2664 Bottom 20.2% in $100M-$1B
2108
Nonperforming Asset Ratio
credit_quality
Value: 0.95%
Peer Median: 0.64%
#2108 of 2664 Bottom 20.9% in $100M-$1B
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