Bank Comparison
The Lemont National Bank vs Security State Bank of Oklee
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On each bank's latest call report (Q4 2025 for The Lemont National Bank, Q2 2026 for Security State Bank of Oklee), The Lemont National Bank is the larger bank, with $49.1M in total assets to Security State Bank of Oklee's $48.8M; Security State Bank of Oklee has the higher CET1 ratio (41.66% vs 7.56%) and the higher return on assets (1.46% vs -13.29%).
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winning metrics across 16 scored rows (2 tied)
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Capital adequacy
| Metric | The Lemont National Bank | Security State Bank of Oklee |
|---|---|---|
| CET1 Ratio | 7.56% | 41.66% |
| Tier 1 Capital Ratio | 7.56% | 41.66% |
| Total Capital Ratio | 7.70% | 42.92% |
| Tier 1 Leverage Ratio | 2.05% | 15.84% |
| Equity / Assets | 2.64% | 15.60% |
Profitability
| Metric | The Lemont National Bank | Security State Bank of Oklee |
|---|---|---|
| Return on Assets (ROA) | -13.29% | 1.46% |
| Return on Equity (ROE) | -309.23% | 9.33% |
| Net Interest Margin (NIM) | 1.69% | 3.17% |
| Yield on Earning Assets | 2.70% | 4.92% |
| Cost of Funds | 1.32% | 2.03% |
Asset quality
| Metric | The Lemont National Bank | Security State Bank of Oklee |
|---|---|---|
| Texas Ratio | 64.74% | 0.00% |
| Non-Performing Loan Ratio | 0.00% | 0.00% |
| Non-Performing Asset Ratio | 1.73% | 0.00% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 0.43% | 1.74% |
Balance sheet
| Metric | The Lemont National Bank | Security State Bank of Oklee |
|---|---|---|
| Total Assets | $49.1M | $48.8M |
| Total Deposits | $46.8M | $40.9M |
| Total Loans | $4.2M | $20.7M |
| Total Equity | $1.3M | $7.6M |
| Net Income (quarter) | ($1.6M) | $176K |
Liquidity & funding
| Metric | The Lemont National Bank | Security State Bank of Oklee |
|---|---|---|
| Loan-to-Deposit Ratio | 9.00% | 50.66% |
| Core Deposit Ratio | 96.10% | 98.01% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | The Lemont National Bank | Security State Bank of Oklee |
|---|---|---|
| Headquarters City | Lemont | Oklee |
| Headquarters State | IL | MN |
| Asset Tier | under $100M in assets | under $100M in assets |
| Regulator | OCC | FDIC |
| Domestic Branches | 5 | 1 |
| Employees (FTE) | 10 | 8 |
| Established | January 1, 1901 | January 1, 1934 |
About this comparison
All metrics are sourced from FFIEC call report filings, the public regulatory financial reports every FDIC-insured US bank files quarterly. The Lemont National Bank is reported as of December 31, 2025 and Security State Bank of Oklee as of June 30, 2026, each bank's latest call report. 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.
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