The Security State Bank: how it compares with its peers
Against 45 KS banks with half to twice its assets, The Security State Bank's strongest measure in Q2 2026 is net interest margin (3.75% vs. a 3.91% peer median). Its weakest relative measure is assets per employee ($4.2M vs. $7.0M).
| Measure | The Security State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.13% | 1.32% | Bottom third Ahead of 29% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.75% | 3.91% | Middle third Ahead of 47% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 69.64% | 61.13% | Bottom third Ahead of 22% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.2M | $7.0M | Bottom third Ahead of 11% of peers |
| Loans to deposits Net loans and leases over total deposits. | 37.02% | 61.20% | Context |
What it means for lending operations
Its efficiency ratio of 69.64% is above the 61.13% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Swedish-American State Bank Courtland, KS · $55M
- Bank of Greeley Greeley, KS · $54M
- The Farmers State Bank of Blue Mound Blue Mound, KS · $58M
- The City State Bank Fort Scott, KS · $58M
- Ford County State Bank Spearville, KS · $58M
- The State Exchange Bank Mankato, KS · $51M
Questions about The Security State Bank
How big is The Security State Bank?
The Security State Bank, established in 1897, is headquartered in Wellington, KS. It reported $55M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is The Security State Bank's return on assets?
1.13% annualized in Q2 2026, against a 1.32% median for 45 KS banks with half to twice its assets, ahead of 29% of them.
What is The Security State Bank's efficiency ratio?
69.64% in Q2 2026: it spent about 70 cents in noninterest expense for each dollar of revenue. The peer median is 61.13%, and lower is better.
Is The Security State Bank growing its loans?
Net loans shrank 12.8% over the year to Q2 2026, while deposits grew 7.6%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are KS banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Kansas bank ranked.