Bank Comparison
Security State Bank vs Dnb National Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
6 · 17
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Security State Bank | Dnb National Bank |
|---|---|---|
| CET1 Ratio | 13.45% | 22.77% |
| Tier 1 Capital Ratio | 13.45% | 22.77% |
| Total Capital Ratio | 14.46% | 23.74% |
| Tier 1 Leverage Ratio | 8.53% | 9.26% |
| Equity / Assets | 7.49% | 6.32% |
Profitability
| Metric | Security State Bank | Dnb National Bank |
|---|---|---|
| Return on Assets (ROA) | 0.99% | 2.09% |
| Return on Equity (ROE) | 13.39% | 31.38% |
| Net Interest Margin (NIM) | 3.93% | 3.19% |
| Yield on Earning Assets | 5.62% | 4.27% |
| Cost of Funds | 1.76% | 1.11% |
Asset quality
| Metric | Security State Bank | Dnb National Bank |
|---|---|---|
| Texas Ratio | 4.42% | 0.00% |
| Non-Performing Loan Ratio | 0.67% | 0.00% |
| Non-Performing Asset Ratio | 0.36% | 0.00% |
| Net Charge-Off Ratio | 0.90% | 0.00% |
| ACL / Loans | 1.19% | 1.59% |
Balance sheet
| Metric | Security State Bank | Dnb National Bank |
|---|---|---|
| Total Assets | $99,885K | $119,632K |
| Total Deposits | $92,043K | $109,886K |
| Total Loans | $53,568K | $29,231K |
| Total Equity | $7,482K | $7,566K |
| Net Income (quarter) | $248 | $616 |
Liquidity & funding
| Metric | Security State Bank | Dnb National Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 58.20% | 26.60% |
| Core Deposit Ratio | 93.90% | 95.64% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Security State Bank | Dnb National Bank |
|---|---|---|
| Headquarters City | ALEXANDRIA | CLEAR LAKE |
| Headquarters State | SD | SD |
| Asset Tier | Micro | Small |
| Charter Class | 0 | 12877 |
| Regulator | FDIC | OCC |
| Domestic Branches | 3 | 2 |
| Employees (FTE) | 16 | 14 |
| Established | July 1, 1946, midnight | Jan. 1, 1926, midnight |
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 . 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.
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