SECURITY FIRST BANK OF NORTH DAKOTA

NEW SALEM, ND | Small | Est. Jan. 1, 1925, midnight | FDIC #11519 | RSSD #693952 | FDIC
Latest Report: 2025-12-31

SECURITY FIRST BANK OF NORTH DAKOTA is asn small FDIC-insured commercial bank headquartered in NEW SALEM, ND, established in Jan. 1, 1925, midnight. As of 2025-12-31, the bank reported total assets of $285M and total deposits of $240M. Profitability stands at 2.03% ROA and 16.40% ROE, with a net interest margin of 4.99%. The bank's CET1 capital ratio is 12.24%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.99% and a Texas Ratio of 6.02%. FDIC Certificate #11519.

Assets

$285M

Deposits

$240M

Loans

$235M

Equity

$35M

Profitability

Return on Assets (ROA) 2.03%
Return on Equity (ROE) 16.40%
Net Interest Margin (NIM) 4.99%
Yield on Assets 6.30%
Cost of Funds 1.43%

Asset Quality

NPL Ratio 0.99%
Net Charge-Off Ratio 0.84%
Texas Ratio 6.02%
NPA Ratio 0.82%
ACL / Loans 1.40%

Capital & Liquidity

CET1 Ratio 12.24%
Tier 1 Capital 12.24%
Total Capital Ratio 12.86%
Leverage Ratio 12.89%
Loan-to-Deposit 97.80%

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