Security State Bank
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.1 has resulted in Good (5.7) profitability.
Other Rating Factors:
Excellent current capitalization (8.2 on a scale of 0 to 10) based on a risk-based capital ratio of 12.2 and a capital leverage ratio of 9.8. A current level of 2.0 percent of nonperforming loans to core capital combined with 0.9 percent from a year earlier contributes to the Excellent asset quality (7.3).
Asset Mix:
Securities (16%), comm re (13%), comm loans (12%), home mtgs (8%), consumer loans (3%), cash (1%), other (47%)
States with Branches:
KS
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Security Bancshares, Inc.
Investment Rating
--
Address
506 South Main Street
Scott City, KS 67871
Scott City, KS 67871
Phone Number
(620) 872-7224
Year Founded
1961
FDIC Number
Website
Largest Affiliates
Colby, KS
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Bank
Oakley, KS
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Bank