Bank Comparison
FNNB Bank vs Security State Bank
BankRegReports is independent of FNNB Bank and Security State Bank and never asks for online banking logins or passwords.
At Q2 2026, Security State Bank is the larger bank, with $109.8M in total assets to FNNB Bank's $109.5M; Security State Bank has the higher return on assets (2.39% vs 1.66%).
vs
7 · 6
winning metrics across 13 scored rows
Compare a different pair
Search for a bank in each box, choose it from the list, then press Compare.
Capital adequacy
| Metric | FNNB Bank | Security State Bank |
|---|---|---|
| CET1 Ratio | 12.38% | — |
| Tier 1 Capital Ratio | 12.38% | — |
| Total Capital Ratio | 13.40% | — |
| Tier 1 Leverage Ratio | 9.74% | 27.26% |
| Equity / Assets | 8.31% | 27.30% |
Profitability
| Metric | FNNB Bank | Security State Bank |
|---|---|---|
| Return on Assets (ROA) | 1.66% | 2.39% |
| Return on Equity (ROE) | 18.96% | 8.95% |
| Net Interest Margin (NIM) | 4.57% | 5.15% |
| Yield on Earning Assets | 5.55% | 6.20% |
| Cost of Funds | 1.02% | 1.42% |
Asset quality
| Metric | FNNB Bank | Security State Bank |
|---|---|---|
| Texas Ratio | 4.37% | 5.68% |
| Non-Performing Loan Ratio | 0.55% | 2.14% |
| Non-Performing Asset Ratio | 0.40% | 1.65% |
| Net Charge-Off Ratio | -0.01% | 0.00% |
| ACL / Loans | 1.04% | 2.19% |
Balance sheet
| Metric | FNNB Bank | Security State Bank |
|---|---|---|
| Total Assets | $109.5M | $109.8M |
| Total Deposits | $89.3M | $79.7M |
| Total Loans | $78.5M | $84.2M |
| Total Equity | $9.1M | $30.0M |
| Net Income (quarter) | $433K | $663K |
Liquidity & funding
| Metric | FNNB Bank | Security State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 88.00% | 105.76% |
| Core Deposit Ratio | 92.68% | 85.46% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | FNNB Bank | Security State Bank |
|---|---|---|
| Headquarters City | Newton | Algona |
| Headquarters State | IA | IA |
| Asset Tier | $100M to $1B in assets | $100M to $1B in assets |
| Regulator | FED | FDIC |
| Domestic Branches | 1 | 4 |
| Employees (FTE) | 15 | 13 |
| Established | March 28, 1932 | March 1, 1931 |
About this comparison
All metrics are sourced from FFIEC call report filings, the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of June 30, 2026. The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio. Size and identity rows (assets, deposits, loans, equity, branches, employees) are shown for context and are not scored, and two values that match at the precision shown count as a tie.
View full FNNB Bank profile | View full Security State Bank profile | Browse all bank comparisons