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Security State Bank

$1B-$10B Specialty: Agricultural KS FDIC cert 18374

Designations: ✓ Community bank

Scott City, KS

5 branches across KS

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 20 in KS.
  • Deposits -6.2% year over year ($727.9M on the books).
  • Delinquency rate 0.26%.
  • Return on assets 1.39%.
  • Efficiency ratio 46.76% vs a 59.73% peer average.
  • Loan-to-deposit ratio 103.55% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 20 in KS
View $1B-$10B leaderboard (KS) →

Security State Bank has 2 strengths but faces 4 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

  • + Efficiency Ratio 12.97% below tier average
  • + Delinquency Rate 0.61% below tier average

Key Concerns

Areas that may need attention

  • - Deposit Outflow: Bottom 24.4% in tier
  • - Liquidity Strain: Bottom 45.1% in tier
  • - Capital Constraint: Bottom 62.5% in tier
  • - Net Interest Margin 0.26% below tier average
Get updates when Security State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Total Assets ? $1.0B
+7.1% YoY +2.6% QoQ
-$1.8B $2.8B
-0.6% YoY
$513.9M
+7.1% YoY
$6.3B
+7.7% YoY
Bottom 3.4% in tier
Total Loans ? $753.7M
+1.6% YoY +0.3% QoQ
-$1.2B $2.0B
-0.3% YoY
$343.7M
+7.8% YoY
$3.2B
+9.4% YoY
Bottom 11.0% in tier
Total Deposits ? $727.9M
-6.2% YoY -1.5% QoQ
-$1.6B $2.3B
-0.5% YoY
$426.3M
+7.4% YoY
$4.9B
+7.3% YoY
Bottom 1.0% in tier
Return on Assets ? 1.39%
+32.3% YoY +0.3% QoQ
+0.00% 1.39%
+17.0% YoY
1.56%
+14.6% YoY
1.30%
+12.1% YoY
62%
Net Interest Margin ? 3.61%
+9.2% YoY +1.2% QoQ
-0.26% 3.87%
+6.2% YoY
3.99%
+4.5% YoY
3.95%
+4.9% YoY
43%
Efficiency Ratio ? 46.76%
-0.3% YoY +0.9% QoQ
-12.97% 59.73%
-12.6% YoY
60.13%
-4.7% YoY
70.05%
+2.5% YoY
85%
Delinquency Rate ? 0.26%
-3.9% YoY -9.4% QoQ
-0.61% 0.87%
+11.7% YoY
0.82%
+9.9% YoY
0.98%
+16.3% YoY
73%
Loan-to-Deposit Ratio ? 103.55%
+8.3% YoY +1.8% QoQ
+18.52% 85.04%
-0.1% YoY
72.94%
+0.4% YoY
79.03%
+2.3% YoY
Bottom 8.7% in tier
Non-Interest-Bearing Deposit Share ? 11.53%
+13.2% YoY -7.3% QoQ
-9.74% 21.27%
-1.5% YoY
22.01%
-1.4% YoY
21.98%
-0.6% YoY
Bottom 14.6% in tier
Nonperforming Asset Ratio ? 0.19%
-8.8% YoY -26.1% QoQ
-0.49% 0.67%
+11.7% YoY
0.53%
+8.8% YoY
0.69%
+15.8% YoY
74%
Tier 1 Capital Ratio ? 11.96%
+5.9% YoY +0.2% QoQ
-2.88% 14.84%
-0.4% YoY
17.75%
-1.2% YoY
17.09%
+0.8% YoY
32%
Non-Interest Income / Assets ? 0.16%
-5.2% YoY +100.6% QoQ
-0.37% 0.53%
+2.5% YoY
0.59%
-1.1% YoY
0.66%
+5.2% YoY
21%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Noninterest-Bearing 11.5%
+1.3pp YoY
-0.9pp QoQ
 -9.8pp 21.4% 22.3% 22.2% 14%
Brokered Deposits 15.2%
+5.1pp YoY
+4.1pp QoQ
 +5.8pp 9.5% 8.7% 8.5% 83%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
C&I 16.2%
+0.7pp YoY
+1.7pp QoQ
 +2.2pp 14.0% 12.6% 12.5% 70%
CRE 24.4%
+2.4pp YoY
-0.9pp QoQ
 -25.6pp 50.0% 28.8% 41.4% 7%
1-4 Family 10.9%
0.0pp YoY
0.0pp QoQ
 -15.5pp 26.4% 26.7% 31.3% 19%
Consumer 3.2%
-0.5pp YoY
0.0pp QoQ
 -1.5pp 4.7% 4.6% 5.0% 75%

Capital

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
CET1 Ratio 12.0%
+0.7pp YoY
0.0pp QoQ
 -3.6pp 15.6% 23.3% 19.7% 23%
Leverage Ratio 10.2%
+0.4pp YoY
0.0pp QoQ
 -1.1pp 11.3% 12.6% 12.6% 43%
Total Capital Ratio 12.8%
+0.6pp YoY
0.0pp QoQ
 -3.9pp 16.7% 24.4% 20.8% 19%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Full-Time Employees 81
+1 (+1.2%) YoY
+1 (+1.2%) QoQ
 -233 313 70 482 4%
Assets per Employee ($) $12.8M
+5.8% YoY
+1.3% QoQ
 +$2.3M $10.5M $7.1M $8.8M 82%
Branch Count 5
+1 (+25.0%) YoY
0 QoQ
 -15 20 6 18 12%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Past Due 90+ Days 0.2%
+0.1pp YoY
0.0pp QoQ
 0.0pp 0.2% 0.4% 0.4% 85%
Nonaccrual 0.1%
-0.1pp YoY
-0.1pp QoQ
 -0.7pp 0.8% 0.8% 1.0% 10%
Allowance Coverage 3.79x
+5.1% YoY
+9.9% QoQ
 -14.92x 18.71x 22.44x 20.23x 71%
Net Charge-off Rate (YTD) 0.1%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.3% 0.1% 0.2% 70%

Profitability

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
ROE 12.9%
+2.7pp YoY
+0.1pp QoQ
 +0.3pp 12.6% 14.3% 11.6% 55%
Cost of Funds (YTD) 3.0%
-0.5pp YoY
0.0pp QoQ
 +1.0pp 1.9% 1.6% 1.7% 95%
Net Income ($, YTD) $7.1M
+40.0% YoY
— QoQ
 -$12.2M $19.2M $3.7M $40.4M 24%

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 (3)

Deposit Outflow

decline
#33 of 131 • Bottom 24.4% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

131 of 131 Mid-Market banks match · 686 nationally
→ Stable +31 banks QoQ | QoQ rank improving

Liquidity Strain

risk
#164 of 361 • Bottom 45.1% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 103.55%
(Tier: 85.04%, National: 79.03%)
worse than tier avg
361 of 361 Mid-Market banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank declining

Capital Constraint

risk
#21 of 32 • Bottom 62.5% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature
Loan-to-Deposit Ratio: 103.55%
(Tier: 85.04%, National: 79.03%)
worse than tier avg
Tier 1 Capital Ratio: 11.96%
(Tier: 14.84%, National: 17.09%)
worse than tier avg
32 of 32 Mid-Market banks match · 143 nationally
→ Stable -5 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 885 peers in $1B-$10B

Top Strengths (1 metrics)

135
Efficiency Ratio
profitability
Value: 46.76%
Peer Median: 59.73%
#135 of 885 Top 15.1% in $1B-$10B

Top Weaknesses (6 metrics)

877
Total Deposits
size
Value: $727.85M
Peer Median: $2.32B
#877 of 885 Bottom 1.0% in $1B-$10B
856
Total Assets
size
Value: $1.03B
Peer Median: $2.79B
#856 of 885 Bottom 3.4% in $1B-$10B
809
Loan-to-Deposit Ratio
liquidity
Value: 103.55%
Peer Median: 85.04%
#809 of 885 Bottom 8.7% in $1B-$10B
789
Total Loans
size
Value: $753.69M
Peer Median: $1.96B
#789 of 885 Bottom 11.0% in $1B-$10B
757
Non-Interest-Bearing Deposit Share
funding
Value: 11.53%
Peer Median: 21.27%
#757 of 885 Bottom 14.6% in $1B-$10B
700
Non-Interest Income / Assets
revenue_mix
Value: 0.16%
Peer Median: 0.53%
#700 of 885 Bottom 21.0% in $1B-$10B
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