Northeast Security Bank
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Data as of · sourced from FFIEC call reports. How we update
Northeast Security Bank is an FDIC-insured commercial bank headquartered in Sumner, IA, established in 1888 (FDIC certificate 18384), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $461.9M, up 6.0% from Q2 2025, the 71st largest of 225 banks headquartered in Iowa. Its CET1 capital ratio was 15.42% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 18384
- Headquarters
- Sumner, IA
- Established
- 1888
- Total assets, Q2 2026
- $461.9M
- Assets vs Q2 2025
- +6.0%
- CET1 ratio, Q2 2026
- 15.42%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 073909222
- Latest call report
- Q2 2026, FFIEC 051 · Northeast Security Bank call report
- Holding company
- INDEPENDENCE BANCSHARES, INC.
- Asset rank in state
- 71st of 225 in Iowa
Northeast Security Bank, based in Sumner, Iowa, reported $462 million in assets at June 30, 2026, up 6.0% from a year earlier. It carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 2.6%). On the other hand, it keeps 3.18 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
Deposits are coming in faster than loans: over the year loans rose 3.2% and deposits rose 10.5%. Unrealized losses on its securities total $7.4 million, equal to 15% of Tier 1 capital, against 19% a year earlier.
As of June 30, 2026, Northeast Security Bank reported a CET1 capital ratio of 15.42%, a return on assets of 1.21%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Northeast Security Bank is the 71st largest of the 225 banks headquartered in Iowa. From Q1 2026 to Q2 2026, its total assets rose 4.2% to $461.9M, loans fell 0.3% and deposits rose 7.1%. The largest part of its loan book on June 30, 2026 was farmland and other real estate loans, at 28.5% of total loans, ahead of 1-4 family residential loans at 23.8%. Its 7 offices in the FDIC Summary of Deposits are in 7 cities in IA; its Sumner office books 34% of its branch deposits. Judged on its Q2 2026 call report, Northeast Security Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1150 W 1st St, Sumner, IA 50674
- County
- Bremer
- Metro Area
- Waterloo-Cedar Falls, IA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1888
- Former names
- Northeast Iowa National Bank (1984-1992); First State Bank (1973-1984)
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 45
- Domestic deposits
- $379.1M
- Allowance for credit losses
- $4.0M
- Net charge-offs (YTD)
- $340K
- Average total assets
- $455.4M
- Average total loans
- $271.7M
- Average interest-bearing deposits
- $288.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- May 11, 1961
- FDIC Cert
- 18384
- Fed RSSD
- 442244
- Website
- www.bankNSB.com →
- Parent Holding Company
- INDEPENDENCE BANCSHARES, INC. (RSSD 1206201)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Northeast Security Bank's total assets ranged from $421.9M (Q1 2024) to $461.9M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$461.9M total assets against $435.6M; $410.9M total liabilities against $387.6M.
$267.9M net loans and leases against $259.2M; $379.1M total deposits against $343.1M.
$130.3M securities against $126.1M; $31.9M cash and balances due against $18.1M.
$5.1M total interest income against $4.8M; $1.7M total interest expense against $1.8M.
$3.3M net interest income against $3.0M.
$453K total noninterest income against $631K; $2.0M total noninterest expense against $1.9M.
$55K provision for credit losses against $50K.
$1.4M net income against $1.4M.
1.21% return on assets against 1.26%; 3.18% net interest margin against 2.99%.
15.42% CET1 capital ratio against 15.29%; 10.77% tier 1 leverage ratio against 10.61%.
Inside the full Northeast Security Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeNortheast Security Bank rankings
Its closest position to the top of a national ranking is 910 of 3,606, for efficiency ratio; its furthest is 3,416 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.79% (Q1 2025) to 1.49% (Q3 2024) and its net interest margin ran from 2.69% (Q4 2024) to 3.21% (Q1 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.42% | 1.21% | 0.00% | 0.00% | 3.18% |
| Q1 2026 | 14.95% | 1.23% | 0.00% | 0.00% | 3.21% |
| Q4 2025 | 14.77% | 1.15% | 0.45% | 2.69% | 3.14% |
| Q3 2025 | 14.93% | 1.22% | 0.46% | 2.82% | 3.10% |
| Q2 2025 | 15.29% | 1.26% | 0.02% | 0.11% | 2.99% |
| Q1 2025 | 15.05% | 0.79% | 0.02% | 0.18% | 2.87% |
| Q4 2024 | 15.10% | 0.89% | 0.04% | 0.25% | 2.69% |
| Q3 2024 | 15.08% | 1.49% | 0.04% | 0.24% | 2.82% |
Swipe the table sideways to see every column.
Branch Network
View all 7 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Northeast Security Bank (main office) | Sumner , IA | 50674 | $128.7M |
| Independence Branch | Independence , IA | 50644 | $75.7M |
| Fairbank Branch | Fairbank , IA | 50629 | $57.8M |
| Dysart Branch | Dysart , IA | 52224 | $32.0M |
| Fayette Branch | Fayette , IA | 52142 | $30.5M |
| Main Street Branch | Decorah , IA | 52101 | $28.6M |
| Fredericksburg Facility | Fredericksburg , IA | 50630 | $25.8M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| March 27, 2021 | Structure Change | Acquired First State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 26, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 19, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 17, 2018 | Structure Change | Acquired Security State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 1, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2008 | Structure Change | Acquired Fairbank State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 6 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in IA, rank 76 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 87 applications, 84 loans originated, $15.6M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $307K approved, $307K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2012 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Northeast Security Bank
What are Northeast Security Bank's total assets?
As of the Q2 2026 filing, Northeast Security Bank reported total assets of $461.9 million in its FFIEC call report.
Where is Northeast Security Bank headquartered?
It is headquartered in Sumner, IA, United States.
When was Northeast Security Bank founded?
It was established in 1888, per the FDIC institution directory.
Is Northeast Security Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #18384). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Northeast Security Bank?
Northeast Security Bank's primary federal regulator is the FDIC.
What is Northeast Security Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.42% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Northeast Security Bank operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Northeast Security Bank's Texas Ratio?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Northeast Security Bank previously called?
The charter now named Northeast Security Bank has also operated as Northeast Iowa National Bank (1984-1992), First State Bank (1973-1984), per FDIC structure-change records.
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