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Security Trust & Savings Bank

$100M-$1B Specialty: Agricultural IA FDIC cert 968

Storm Lake, IA

3 branches across IA

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 167 in IA.
  • Deposits -1.8% year over year ($239.4M on the books).
  • Delinquency rate 0.79%.
  • Return on assets 1.24%.
  • Efficiency ratio 54.08% vs a 64.48% peer average.
  • Loan-to-deposit ratio 32.75% 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 167 in IA
View $100M-$1B leaderboard (IA) →

Security Trust & Savings Bank has 2 strengths but faces 7 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 10.40% below tier average
  • + Delinquency Rate 0.13% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 3.8% in tier
  • - Credit Quality Pressure: Bottom 30.1% in tier
  • - Flatlined Growth: Bottom 40.1% in tier
  • - Net Interest Margin 1.25% below tier average
  • - Non-Interest-Bearing Deposit Share 14.39% below tier average
  • - Non-Interest Income / Assets 0.53% below tier average
  • - ROA 0.08% below tier average
Get updates when Security Trust & Savings Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Total Assets ? $266.4M
-0.8% YoY -6.1% QoQ
-$120.1M $386.6M
+1.2% YoY
$566.2M
+5.8% YoY
$6.3B
+7.7% YoY
40%
Total Loans ? $78.4M
+3.1% YoY +0.2% QoQ
-$179.9M $258.3M
+1.7% YoY
$385.0M
+5.4% YoY
$3.2B
+9.4% YoY
Bottom 9.8% in tier
Total Deposits ? $239.4M
-1.8% YoY -6.9% QoQ
-$87.3M $326.7M
+0.7% YoY
$472.4M
+6.3% YoY
$4.9B
+7.3% YoY
43%
Return on Assets ? 1.24%
+29.2% YoY +4.9% QoQ
-0.08% 1.32%
+10.8% YoY
1.58%
+39.1% YoY
1.30%
+12.1% YoY
49%
Net Interest Margin ? 2.74%
+14.1% YoY +4.2% QoQ
-1.25% 3.99%
+5.0% YoY
3.58%
+9.0% YoY
3.95%
+4.9% YoY
Bottom 5.4% in tier
Efficiency Ratio ? 54.08%
-6.4% YoY -2.4% QoQ
-10.40% 64.48%
-3.2% YoY
57.74%
-6.0% YoY
70.05%
+2.5% YoY
74%
Delinquency Rate ? 0.79%
+1.6% YoY -1.5% QoQ
-0.13% 0.92%
+15.7% YoY
0.99%
+12.8% YoY
0.98%
+16.3% YoY
34%
Loan-to-Deposit Ratio ? 32.75%
+5.0% YoY +7.6% QoQ
-45.21% 77.95%
+1.0% YoY
80.39%
+2.7% YoY
79.03%
+2.3% YoY
Top 2.2% in tier
Non-Interest-Bearing Deposit Share ? 7.64%
+17.8% YoY +23.3% QoQ
-14.39% 22.03%
-0.6% YoY
17.72%
+0.8% YoY
21.98%
-0.6% YoY
Bottom 6.4% in tier
Nonperforming Asset Ratio ? 0.23%
+5.6% YoY +5.1% QoQ
-0.44% 0.67%
+16.4% YoY
0.63%
+7.9% YoY
0.69%
+15.8% YoY
58%
Tier 1 Capital Ratio ? 31.77%
+4.6% YoY +1.4% QoQ
+15.86% 15.91%
+1.4% YoY
14.69%
+3.0% YoY
17.09%
+0.8% YoY
Top 3.5% in tier
Non-Interest Income / Assets ? 0.04%
-13.9% YoY +96.3% QoQ
-0.53% 0.57%
+7.6% YoY
0.24%
+5.5% YoY
0.66%
+5.2% YoY
Bottom 3.1% 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 (IA) National Avg Tier Percentile
Noninterest-Bearing 7.6%
+1.2pp YoY
+1.4pp QoQ
 -14.5pp 22.1% 17.8% 22.2% 6%
Brokered Deposits n/a n/a 7.9% 6.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
C&I 10.6%
+2.8pp YoY
+2.3pp QoQ
 -1.0pp 11.6% 12.8% 12.5% 56%
CRE 3.5%
-2.4pp YoY
0.0pp QoQ
 -36.0pp 39.5% 28.3% 41.4% 0%
1-4 Family 25.9%
+2.5pp YoY
-0.1pp QoQ
 -6.7pp 32.6% 23.0% 31.3% 43%
Consumer 2.4%
+0.3pp YoY
0.0pp QoQ
 -1.7pp 4.1% 2.9% 5.0% 53%

Capital

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
CET1 Ratio 31.8%
+1.4pp YoY
+0.4pp QoQ
 +12.9pp 18.8% 15.4% 19.7% 94%
Leverage Ratio 10.4%
+0.7pp YoY
+0.1pp QoQ
 -1.8pp 12.2% 12.4% 12.6% 39%
Total Capital Ratio 33.0%
+1.4pp YoY
+0.4pp QoQ
 +13.1pp 19.9% 16.5% 20.8% 94%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Full-Time Employees 19
-1 (-5.0%) YoY
-1 (-5.0%) QoQ
 -40 58 64 482 9%
Assets per Employee ($) $14.0M
+4.4% YoY
-1.1% QoQ
 +$6.5M $7.5M $8.9M $8.8M 96%
Branch Count 3
0 YoY
0 QoQ
 -2 4 5 18 26%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.4% 0.4% n/a
Nonaccrual 0.8%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.9% 1.0% 1.0% 66%
Allowance Coverage 2.18x
-3.2% YoY
-1.4% QoQ
 -21.97x 24.15x 18.97x 20.23x 50%
Net Charge-off Rate (YTD) 0.1%
+0.1pp YoY
+0.1pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 75%

Profitability

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
ROE 13.0%
+1.6pp YoY
+0.4pp QoQ
 +0.8pp 12.2% 12.8% 11.6% 56%
Cost of Funds (YTD) 1.7%
-0.5pp YoY
0.0pp QoQ
 -0.1pp 1.7% 1.8% 1.7% 47%
Net Income ($, YTD) $1.7M
+29.7% YoY
— QoQ
 -$851K $2.6M $4.0M $40.4M 46%

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)

Credit Risk Growth

risk
#37 of 936 • Bottom 3.8% in tier

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

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ

Credit Quality Pressure

risk
#379 of 1256 • Bottom 30.1% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.79%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ

Flatlined Growth

risk
#213 of 529 • Bottom 40.1% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 1.24%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 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 2643 peers in $100M-$1B

Top Strengths (2 metrics)

58
Loan-to-Deposit Ratio
liquidity
Value: 32.75%
Peer Median: 77.95%
#58 of 2643 Top 2.2% in $100M-$1B
93
Tier 1 Capital Ratio
capital
Value: 31.77%
Peer Median: 15.91%
#93 of 2643 Top 3.5% in $100M-$1B

Top Weaknesses (4 metrics)

2561
Non-Interest Income / Assets
revenue_mix
Value: 0.04%
Peer Median: 0.57%
#2561 of 2643 Bottom 3.1% in $100M-$1B
2500
Net Interest Margin
profitability
Value: 2.74%
Peer Median: 3.99%
#2500 of 2643 Bottom 5.4% in $100M-$1B
2475
Non-Interest-Bearing Deposit Share
funding
Value: 7.64%
Peer Median: 22.03%
#2475 of 2643 Bottom 6.4% in $100M-$1B
2386
Total Loans
size
Value: $78.40M
Peer Median: $258.35M
#2386 of 2643 Bottom 9.8% in $100M-$1B
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