BanksSECURITY TRUST & SAVINGS BANK

SECURITY TRUST & SAVINGS BANK

STORM LAKE, IASmallEst. Jan. 1, 1908, midnightFDIC #968RSSD #363648FED
Latest · 2025-12-31

SECURITY TRUST & SAVINGS BANK is an FDIC-insured commercial bank headquartered in STORM LAKE, IA, established in Jan. 1, 1908, midnight. As of 2025-12-31, the bank reported total assets of $275M and total deposits of $248M. Profitability stands at 1.04% ROA and 11.27% ROE, with a net interest margin of 2.80%. CET1 capital ratio: 29.77%, well above regulatory minimums. NPL ratio: 0.71% · Texas Ratio: 2.12%. Operates 3 domestic branches.

Assets
$275M
Deposits
$248M
Loans
$82M
Equity
$26M

Profitability

Return on Assets (ROA)1.04%
Return on Equity (ROE)11.27%
Net Interest Margin2.80%
Yield on Assets4.80%
Cost of Funds2.04%

Asset Quality

NPL Ratio0.71%
Net Charge-Off Ratio0.01%
Texas Ratio2.12%
NPA Ratio0.21%
ACL / Loans1.69%

Capital & Liquidity

CET1 Ratio29.77%
Tier 1 Capital29.77%
Total Capital Ratio31.02%
Leverage Ratio9.84%
Loan-to-Deposit33.14%

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