Security Savings Bank: how it compares with its peers
Against 143 IL banks with half to twice its assets, Security Savings Bank's strongest measure in Q2 2026 is assets per employee ($7.5M vs. a $6.5M peer median). Its weakest relative measure is efficiency ratio (69.72% vs. 64.26%).
| Measure | Security Savings Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.96% | 1.15% | Middle third Ahead of 36% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.89% | 3.73% | Middle third Ahead of 64% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 69.72% | 64.26% | Bottom third Ahead of 31% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.5M | $6.5M | Top third Ahead of 69% of peers |
| Loans to deposits Net loans and leases over total deposits. | 71.57% | 75.06% | Context |
What it means for lending operations
Its efficiency ratio of 69.72% is above the 64.26% 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
- Bank of Farmington Farmington, IL · $240M
- BankChampaign, National Association Champaign, IL · $243M
- Security Bank, s.b. Springfield, IL · $244M
- First Federal Savings and Loan Association of Central Illinois, S.B. Shelbyville, IL · $235M
- Crossroads Bank Effingham, IL · $235M
- Warren-Boynton State Bank New Berlin, IL · $235M
Questions about Security Savings Bank
How big is Security Savings Bank?
Security Savings Bank, established in 1882, is headquartered in Monmouth, IL. It reported $241M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Security Savings Bank's return on assets?
0.96% annualized in Q2 2026, against a 1.15% median for 143 IL banks with half to twice its assets, ahead of 36% of them.
What is Security Savings Bank's efficiency ratio?
69.72% in Q2 2026: it spent about 70 cents in noninterest expense for each dollar of revenue. The peer median is 64.26%, and lower is better.
Is Security Savings Bank growing its loans?
Net loans grew 0.9% over the year to Q2 2026, while deposits shrank 1.0%.
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 IL 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 Illinois bank ranked.