BanksSECURITY STATE BANK

SECURITY STATE BANK

SUTHERLAND, IASmallEst. Jan. 1, 1931, midnightFDIC #235RSSD #425845FDIC
Latest · 2025-12-31

SECURITY STATE BANK is an 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%. CET1 capital ratio: 10.72%, well above regulatory minimums. NPL ratio: 0.24% · Texas Ratio: 1.85%. Operates 5 domestic branches.

Assets
$481M
Deposits
$331M
Loans
$437M
Equity
$52M

Profitability

Return on Assets (ROA)2.71%
Return on Equity (ROE)25.28%
Net Interest Margin4.34%
Yield on Assets7.13%
Cost of Funds2.88%

Asset Quality

NPL Ratio0.24%
Net Charge-Off Ratio0.09%
Texas Ratio1.85%
NPA Ratio0.22%
ACL / Loans1.06%

Capital & Liquidity

CET1 Ratio10.72%
Tier 1 Capital10.72%
Total Capital Ratio11.26%
Leverage Ratio10.98%
Loan-to-Deposit132.28%

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