Security Trust & Savings Bank: how it compares with its peers
Against 119 IA banks with half to twice its assets, Security Trust & Savings Bank's strongest measure in Q2 2026 is assets per employee ($14.0M vs. a $8.6M peer median). Its weakest relative measure is net interest margin (2.74% vs. 3.64%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.24% | 1.41% | Middle third Ahead of 37% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.74% | 3.64% | Bottom third Ahead of 8% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 54.08% | 55.02% | Middle third Ahead of 56% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $14.0M | $8.6M | Top third Ahead of 93% of peers |
| Loans to deposits Net loans and leases over total deposits. | 32.75% | 80.43% | Context |
What it means for lending operations
Its efficiency ratio of 54.08% is better than the 55.02% 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
- Westside State Bank Westside, IA · $269M
- Freedom Financial Bank West Des Moines, IA · $269M
- Mediapolis Savings Bank Mediapolis, IA · $270M
- Cherokee State Bank Cherokee, IA · $271M
- Farmers and Merchants State Bank Winterset, IA · $272M
- FNB Bank Fontanelle, IA · $275M
Questions about Security Trust & Savings Bank
How big is Security Trust & Savings Bank?
Security Trust & Savings Bank, established in 1908, is headquartered in Storm Lake, IA. It reported $266M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is Security Trust & Savings Bank's return on assets?
1.24% annualized in Q2 2026, against a 1.41% median for 119 IA banks with half to twice its assets, ahead of 37% of them.
What is Security Trust & Savings Bank's efficiency ratio?
54.08% in Q2 2026: it spent about 54 cents in noninterest expense for each dollar of revenue. The peer median is 55.02%, and lower is better.
Is Security Trust & Savings Bank growing its loans?
Net loans grew 3.1% over the year to Q2 2026, while deposits shrank 1.8%.
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 IA 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 Iowa bank ranked.