SECURITY STATE BANK

RADCLIFFE, IA | Small | Est. Oct. 14, 1914, midnight | FDIC #18448 | RSSD #527749 | FDIC
Latest Report: 2025-12-31

SECURITY STATE BANK is asn small FDIC-insured commercial bank headquartered in RADCLIFFE, IA, established in Oct. 14, 1914, midnight. As of 2025-12-31, the bank reported total assets of $114M and total deposits of $104M. Profitability stands at 0.87% ROA and 10.36% ROE, with a net interest margin of 3.08%. The bank's CET1 capital ratio is 13.82%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.93% and a Texas Ratio of 5.17%. FDIC Certificate #18448.

Assets

$114M

Deposits

$104M

Loans

$58M

Equity

$10M

Profitability

Return on Assets (ROA) 0.87%
Return on Equity (ROE) 10.36%
Net Interest Margin (NIM) 3.08%
Yield on Assets 5.24%
Cost of Funds 2.72%

Asset Quality

NPL Ratio 0.93%
Net Charge-Off Ratio 0.16%
Texas Ratio 5.17%
NPA Ratio 0.47%
ACL / Loans 1.00%

Capital & Liquidity

CET1 Ratio 13.82%
Tier 1 Capital 13.82%
Total Capital Ratio 14.65%
Leverage Ratio 8.16%
Loan-to-Deposit 56.24%

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