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Security Bank

$100M-$1B Specialty: Agricultural NE FDIC cert 5424

Laurel, NE

5 branches across NE

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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 81 in NE.
  • Deposits -4.1% year over year ($269.7M on the books).
  • Delinquency rate 0.64%.
  • Return on assets 1.34%.
  • Efficiency ratio 64.86% vs a 64.48% peer average.
  • Loan-to-deposit ratio 83.64% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 81 in NE
View $100M-$1B leaderboard (NE) →

Security Bank has 3 strengths but faces 2 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

  • + Revenue Diversifier: Top 47.4% in tier
  • + Net Interest Margin 0.13% above tier average
  • + Delinquency Rate 0.28% below tier average

Key Concerns

Areas that may need attention

  • - Deposit Outflow: Bottom 37.0% in tier
  • - Efficiency Ratio 0.38% above tier average
Get updates when Security Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Total Assets ? $309.9M
-2.7% YoY -1.9% QoQ
-$76.7M $386.6M
+1.2% YoY
$801.1M
+6.7% YoY
$6.3B
+7.7% YoY
48%
Total Loans ? $225.6M
+9.1% YoY -0.0% QoQ
-$32.8M $258.3M
+1.7% YoY
$561.8M
+6.3% YoY
$3.2B
+9.4% YoY
54%
Total Deposits ? $269.7M
-4.1% YoY -2.9% QoQ
-$57.0M $326.7M
+0.7% YoY
$663.3M
+6.9% YoY
$4.9B
+7.3% YoY
49%
Return on Assets ? 1.34%
+7.2% YoY +31.0% QoQ
+0.02% 1.32%
+10.8% YoY
1.39%
+16.4% YoY
1.30%
+12.1% YoY
56%
Net Interest Margin ? 4.12%
+4.9% YoY +3.9% QoQ
+0.13% 3.99%
+5.0% YoY
3.85%
+5.8% YoY
3.95%
+4.9% YoY
60%
Efficiency Ratio ? 64.86%
-4.2% YoY -4.8% QoQ
+0.38% 64.48%
-3.2% YoY
59.13%
-5.1% YoY
70.05%
+2.5% YoY
43%
Delinquency Rate ? 0.64%
-8.4% QoQ
-0.28% 0.92%
+15.7% YoY
0.76%
-0.0% YoY
0.98%
+16.3% YoY
40%
Loan-to-Deposit Ratio ? 83.64%
+13.8% YoY +3.0% QoQ
+5.69% 77.95%
+1.0% YoY
80.90%
+0.2% YoY
79.03%
+2.3% YoY
41%
Non-Interest-Bearing Deposit Share ? 17.18%
+2.9% YoY +2.9% QoQ
-4.85% 22.03%
-0.6% YoY
17.56%
-0.6% YoY
21.98%
-0.6% YoY
33%
Nonperforming Asset Ratio ? 0.62%
+318.4% YoY -4.6% QoQ
-0.05% 0.67%
+16.4% YoY
0.59%
+4.7% YoY
0.69%
+15.8% YoY
34%
Tier 1 Capital Ratio ? 15.81%
-0.1% YoY +3.3% QoQ
-0.10% 15.91%
+1.4% YoY
14.05%
+0.1% YoY
17.09%
+0.8% YoY
71%
Non-Interest Income / Assets ? 0.51%
+21.2% YoY +93.9% QoQ
-0.05% 0.57%
+7.6% YoY
0.24%
+7.2% YoY
0.66%
+5.2% YoY
Top 9.2% in tier

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 (NE) National Avg Tier Percentile
Noninterest-Bearing 17.2%
+0.5pp YoY
+0.5pp QoQ
 -5.0pp 22.1% 17.6% 22.2% 32%
Brokered Deposits n/a n/a 7.9% 8.9% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
C&I 12.1%
+2.3pp YoY
-1.6pp QoQ
 +0.5pp 11.6% 12.3% 12.5% 64%
CRE 10.0%
+1.0pp YoY
-0.4pp QoQ
 -29.6pp 39.5% 32.3% 41.4% 5%
1-4 Family 7.9%
+0.7pp YoY
+0.1pp QoQ
 -24.7pp 32.6% 16.9% 31.3% 8%
Consumer 2.6%
-0.4pp YoY
0.0pp QoQ
 -1.5pp 4.1% 3.1% 5.0% 55%

Capital

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
CET1 Ratio 15.8%
0.0pp YoY
+0.5pp QoQ
 -3.0pp 18.8% 16.1% 19.7% 56%
Leverage Ratio 13.3%
+0.8pp YoY
+0.6pp QoQ
 +1.1pp 12.2% 12.1% 12.6% 77%
Total Capital Ratio 16.8%
0.0pp YoY
+0.5pp QoQ
 -3.1pp 19.9% 17.3% 20.8% 56%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Full-Time Employees 45
0 YoY
+2 (+4.7%) QoQ
 -14 58 98 482 47%
Assets per Employee ($) $6.9M
-2.7% YoY
-6.3% QoQ
 -$632K $7.5M $8.5M $8.8M 50%
Branch Count 5
0 YoY
0 QoQ
 0 4 7 18 55%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Past Due 90+ Days 0.0%
-0.1pp QoQ
 -0.3pp 0.3% 0.4% 0.4% 5%
Nonaccrual 0.9%
+0.6pp YoY
0.0pp QoQ
 -0.1pp 0.9% 0.8% 1.0% 68%
Allowance Coverage 1.75x
+11.0% QoQ
 -22.41x 24.15x 31.69x 20.23x 43%
Net Charge-off Rate (YTD) 0.1%
+0.1pp YoY
-0.1pp QoQ
 0.0pp 0.1% 0.1% 0.2% 81%

Profitability

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
ROE 11.3%
-0.2pp YoY
+2.4pp QoQ
 -0.9pp 12.2% 12.3% 11.6% 45%
Cost of Funds (YTD) 1.9%
-0.1pp YoY
0.0pp QoQ
 +0.2pp 1.7% 1.9% 1.7% 63%
Net Income ($, YTD) $2.1M
+6.6% YoY
— QoQ
 -$440K $2.6M $6.1M $40.4M 55%

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 (1)

Revenue Diversifier

growth
#314 of 661 • Top 47.4% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.51%
(Tier: 0.57%, National: 0.66%)
but worse than tier avg
Return on Assets: 1.34%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (1)

Deposit Outflow

decline
#199 of 535 • Bottom 37.0% in tier

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

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ | QoQ rank declining

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 2643 peers in $100M-$1B

Top Strengths (1 metrics)

245
Non-Interest Income / Assets
revenue_mix
Value: 0.51%
Peer Median: 0.57%
#245 of 2643 Top 9.2% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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