SECURITY STATE BANK

SUTHERLAND, IA | Small | Est. Jan. 1, 1931, midnight | FDIC #235 | RSSD #425845 | FDIC
Latest Report: 2025-12-31

SECURITY STATE BANK is asn small FDIC-insured commercial bank headquartered in SUTHERLAND, IA, established in Jan. 1, 1931, midnight. As of 2025-12-31, the bank reported total assets of $481M and total deposits of $331M. Profitability stands at 2.71% ROA and 25.28% ROE, with a net interest margin of 4.34%. The bank's CET1 capital ratio is 10.72%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.24% and a Texas Ratio of 1.85%. FDIC Certificate #235.

Assets

$481M

Deposits

$331M

Loans

$437M

Equity

$52M

Profitability

Return on Assets (ROA) 2.71%
Return on Equity (ROE) 25.28%
Net Interest Margin (NIM) 4.34%
Yield on Assets 7.13%
Cost of Funds 2.88%

Asset Quality

NPL Ratio 0.24%
Net Charge-Off Ratio 0.09%
Texas Ratio 1.85%
NPA Ratio 0.22%
ACL / Loans 1.06%

Capital & Liquidity

CET1 Ratio 10.72%
Tier 1 Capital 10.72%
Total Capital Ratio 11.26%
Leverage Ratio 10.98%
Loan-to-Deposit 132.28%

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