Security Bank and Trust Co.: how it compares with its peers
Against 20 KY banks with half to twice its assets, Security Bank and Trust Co.'s strongest measure in Q2 2026 is return on assets (2.00% vs. a 0.82% peer median). Its weakest relative measure is net interest margin (3.78% vs. 4.13%).
| Measure | Security Bank and Trust Co. | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.00% | 0.82% | Top third Ahead of 95% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.78% | 4.13% | Middle third Ahead of 35% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 48.27% | 73.16% | Top third Ahead of 95% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.2M | $4.6M | Top third Ahead of 80% of peers |
| Loans to deposits Net loans and leases over total deposits. | 44.49% | 81.46% | Context |
What it means for lending operations
Its efficiency ratio of 48.27% is better than the 73.16% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Clinton Bank Clinton, KY · $70M
- The First National Bank of Brooksville Brooksville, KY · $74M
- Farmers State Bank Booneville, KY · $69M
- Farmers & Traders Bank of Campton Campton, KY · $67M
- First Federal Savings and Loan Association Hazard, KY · $81M
- Blue Grass Federal Savings and Loan Association Paris, KY · $59M
Questions about Security Bank and Trust Co.
How big is Security Bank and Trust Co.?
Security Bank and Trust Co., established in 1928, is headquartered in Maysville, KY. It reported $72M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is Security Bank and Trust Co.'s return on assets?
2.00% annualized in Q2 2026, against a 0.82% median for 20 KY banks with half to twice its assets, ahead of 95% of them.
What is Security Bank and Trust Co.'s efficiency ratio?
48.27% in Q2 2026: it spent about 48 cents in noninterest expense for each dollar of revenue. The peer median is 73.16%, and lower is better.
Is Security Bank and Trust Co. growing its loans?
Net loans shrank 9.7% over the year to Q2 2026, while deposits grew 5.3%.
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 KY 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 Kentucky bank ranked.