SECURITY BANK USA

BEMIDJI, MN | Small | Est. Feb. 7, 1910, midnight | FDIC #1604 | RSSD #950758 | FDIC
Latest Report: 2025-12-31

SECURITY BANK USA is asn small FDIC-insured commercial bank headquartered in BEMIDJI, MN, established in Feb. 7, 1910, midnight. As of 2025-12-31, the bank reported total assets of $262M and total deposits of $236M. Profitability stands at 1.37% ROA and 14.87% ROE, with a net interest margin of 4.90%. The bank's CET1 capital ratio is 14.08%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.47% and a Texas Ratio of 3.20%. FDIC Certificate #1604.

Assets

$262M

Deposits

$236M

Loans

$184M

Equity

$24M

Profitability

Return on Assets (ROA) 1.37%
Return on Equity (ROE) 14.87%
Net Interest Margin (NIM) 4.90%
Yield on Assets 6.52%
Cost of Funds 1.65%

Asset Quality

NPL Ratio 0.47%
Net Charge-Off Ratio -0.01%
Texas Ratio 3.20%
NPA Ratio 0.33%
ACL / Loans 1.41%

Capital & Liquidity

CET1 Ratio 14.08%
Tier 1 Capital 14.08%
Total Capital Ratio 15.33%
Leverage Ratio 9.62%
Loan-to-Deposit 77.79%

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