Security National Bank of South Dakota: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Security National Bank of South Dakota is one of the more profitable banks of its size. The Dakota Dunes, South Dakota bank had $251 million in assets at June 30, 2026, up 5.1% from a year earlier. It earns about $2.40 a year on every $100 of assets, about double the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 44 cents to bring in each dollar of revenue, lower than about 9 in 10 banks its size (median 61 cents).
Net income for the quarter rose 30% from a year earlier, to $1.5 million. Over the same year, loans grew 15.4% and deposits grew 2.6%. Its margin is thin by comparison: it keeps 3.15 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
As of June 30, 2026, Security National Bank of South Dakota reported a return on assets of 2.40%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 325 Dakota Dunes Blvd, Dakota Dunes, SD 57049
- County
- Union
- Metro Area
- Sioux City, Ia-Ne-SD
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- May 1, 1997
- Offices
- 3 domestic
- Employees (FTE)
- 38
- Domestic deposits
- $194.7M
- Allowance for credit losses
- $2.3M
- Net charge-offs (YTD)
- $2K
- Average total assets
- $255.3M
- Average total loans
- $168.5M
- Average interest-bearing deposits
- $156.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- May 1, 1997
- FDIC Cert
- 34394
- Fed RSSD
- 2529176
- Website
- http://www.snbsd.com →
- Parent Holding Company
- SECURITY NATIONAL CORPORATION (RSSD 1200348)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD. The UBPR's YTD ROA divides by the average of the quarterly average assets the bank reports on Schedule RC-K, while FDIC BankFind divides by the average of quarter-end total assets, so FDIC's ROA can differ from the YTD figure by a few hundredths of a point. This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
No provision recorded in the last 12 quarters.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Security National Bank of South Dakota terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Security National Bank of South Dakota, freeSecurity National Bank of South Dakota rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Security National Bank of South Dakota: ROA.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings. A community bank leverage ratio filer reports no CET1 ratio, so the first ratio column is the Tier 1 leverage ratio.
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.12% | 2.40% | 0.00% | 0.00% | 3.15% |
| Q1 2026 | 13.78% | 2.45% | 0.00% | 0.00% | 2.93% |
| Q4 2025 | 13.73% | 1.89% | 0.00% | 0.01% | 2.81% |
| Q3 2025 | 14.16% | 2.03% | 0.00% | 0.00% | 2.75% |
| Q2 2025 | 13.75% | 1.93% | 0.00% | 0.00% | 2.60% |
| Q1 2025 | 13.09% | 1.91% | 0.00% | 0.02% | 2.36% |
| Q4 2024 | 12.98% | 1.72% | 0.00% | 0.00% | 2.24% |
| Q3 2024 | 14.06% | 1.80% | 0.00% | 0.00% | 2.31% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 3 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Security National Bank of South Dakota (main office) | Dakota Dunes , SD | 57049 | $89.3M |
| 74th and Louise Branch | Sioux Falls , SD | 57108 | $65.5M |
| 26th Street Branch | Sioux Falls , SD | 57106 | $40.0M |
Regulatory record
What the public regulatory sources show for Security National Bank of South Dakota, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 1 against the institution (OCC)
- August 12, 1991, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Security Bank Of South Dakota, National Association
- Period: Most recent institution action August 12, 1991. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in SD, rank 38 of 82 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 107 applications, 54 loans originated, $57.8M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $102K approved, $102K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2013 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Security National Bank of South Dakota
What are Security National Bank of South Dakota's total assets?
As of the Q2 2026 filing, Security National Bank of South Dakota reported total assets of $251.5 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Security National Bank of South Dakota headquartered?
Security National Bank of South Dakota is headquartered in Dakota Dunes, SD, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Security National Bank of South Dakota founded?
Security National Bank of South Dakota was established in 1997, per the FDIC institution directory.
Is Security National Bank of South Dakota FDIC-insured?
Yes. Security National Bank of South Dakota is an FDIC-insured commercial bank (FDIC Certificate #34394). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Security National Bank of South Dakota?
Security National Bank of South Dakota's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does Security National Bank of South Dakota operate?
Security National Bank of South Dakota operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Security National Bank of South Dakota's Texas Ratio?
Security National Bank of South Dakota's Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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