Security Bank of Pulaski County: how it compares with its peers
Against 88 MO banks with half to twice its assets, Security Bank of Pulaski County's strongest measure in Q2 2026 is net interest margin (4.15% vs. a 3.96% peer median). Its weakest relative measure is efficiency ratio (71.42% vs. 60.79%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.89% | 1.27% | Bottom third Ahead of 23% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.15% | 3.96% | Middle third Ahead of 59% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 71.42% | 60.79% | Bottom third Ahead of 18% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.6M | $6.2M | Middle third Ahead of 38% of peers |
| Loans to deposits Net loans and leases over total deposits. | 66.14% | 79.21% | Context |
What it means for lending operations
Its efficiency ratio of 71.42% is above the 60.79% 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
- Commercial Trust Company of Fayette Fayette, MO · $164M
- Northeast Missouri State Bank Kirksville, MO · $164M
- Edward Jones Trust Company Saint Louis, MO · $161M
- Bank of Monticello Monticello, MO · $159M
- Security Bank of the Ozarks Eminence, MO · $155M
- Grand Missouri Bank Bolivar, MO · $151M
Questions about Security Bank of Pulaski County
How big is Security Bank of Pulaski County?
Security Bank of Pulaski County, established in 1936, is headquartered in Saint Robert, MO. It reported $163M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is Security Bank of Pulaski County's return on assets?
0.89% annualized in Q2 2026, against a 1.27% median for 88 MO banks with half to twice its assets, ahead of 23% of them.
What is Security Bank of Pulaski County's efficiency ratio?
71.42% in Q2 2026: it spent about 71 cents in noninterest expense for each dollar of revenue. The peer median is 60.79%, and lower is better.
Is Security Bank of Pulaski County growing its loans?
Net loans grew 5.9% over the year to Q2 2026, while deposits shrank 0.1%.
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 MO 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 Missouri bank ranked.