Security Bank (Laurel, NE)
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Data as of · sourced from FFIEC call reports. How we update
Security Bank is an FDIC-insured commercial bank headquartered in Laurel, NE, established in 1928 (FDIC certificate 5424), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $309.9M, down 2.7% from Q2 2025, the 62nd largest of 138 banks headquartered in Nebraska. Its CET1 capital ratio was 15.81% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 5424
- Headquarters
- Laurel, NE
- Established
- 1928
- Total assets, Q2 2026
- $309.9M
- Assets vs Q2 2025
- -2.7%
- CET1 ratio, Q2 2026
- 15.81%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 104113039
- Holding company
- FIRST LAUREL SECURITY CO.
- Asset rank in state
- 62nd of 138 in Nebraska
Problem loans are rising at Security Bank. Based in Laurel, Nebraska, it had $310 million in assets at June 30, 2026, down 2.7% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.63% of loans from 0.00% a year earlier. It lost 4.1% of its deposits over the year, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 4.0%). It also holds commercial real estate loans equal to only 33% of its capital, a small fraction of the median of 1.2 times for banks its size.
Earnings jumped: net income for the quarter was $1.3 million, 33% above the same quarter a year earlier. Over the same year, loans grew 9.1% and deposits shrank 4.1%.
As of June 30, 2026, Security Bank reported a CET1 capital ratio of 15.81%, a return on assets of 1.64%, a nonperforming-loan ratio of 0.63% and a Texas ratio of 3.61%. The figures come from its call report filed with the FFIEC.
Of the 138 banks headquartered in Nebraska, Security Bank is the 62nd largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 1.9% to $309.9M, loans were flat and deposits fell 2.9%. Agricultural production loans made up 35.9% of its total loans on June 30, 2026, its largest category; next came farmland and other real estate loans at 29.1%. Its 5 offices in the FDIC Summary of Deposits are in 5 cities in NE; its Laurel office books 32% of its branch deposits. Judged on its Q2 2026 call report, Security Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 202 E 2nd St, Laurel, NE 68745
- County
- Cedar
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- March 6, 1928
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 45
- Domestic deposits
- $269.7M
- Allowance for credit losses
- $2.5M
- Net charge-offs (YTD)
- $162K
- Average total assets
- $316.9M
- Average total loans
- $229.4M
- Average interest-bearing deposits
- $218.5M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5424
- Fed RSSD
- 566056
- Website
- WWW.MYSECURITY.BANK →
- Parent Holding Company
- FIRST LAUREL SECURITY CO. (RSSD 1051009)
- Ultimate Parent
- RSSD 5650389
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, Security Bank's total assets ranged from $280.4M (Q3 2023) to $321.5M (Q4 2025), 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
$309.9M total assets against $318.4M; $271.2M total liabilities against $282.9M.
$225.6M net loans and leases against $206.8M; $269.7M total deposits against $281.3M.
$55.8M securities against $64.1M; $9.0M cash and balances due against $29.0M.
$4.4M total interest income against $4.4M; $1.3M total interest expense against $1.5M.
$3.1M net interest income against $2.9M.
$751K total noninterest income against $621K; $2.5M total noninterest expense against $2.6M.
$75K provision for credit losses against $75K.
$1.3M net income against $974K.
1.64% return on assets against 1.21%; 4.23% net interest margin against 3.92%.
15.81% CET1 capital ratio against 15.83%; 13.28% tier 1 leverage ratio against 12.49%.
Inside the full Security Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeSecurity Bank rankings
Its closest position to the top of a national ranking is 1,019 of 3,611, for ROA; its furthest is 2,408 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.01% (Q1 2026) to 1.64% (Q2 2026) and its net interest margin ran from 3.87% (Q4 2024) to 4.23% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.81% | 1.64% | 0.63% | 3.61% | 4.23% |
| Q1 2026 | 15.31% | 1.01% | 0.69% | 4.15% | 3.96% |
| Q4 2025 | 15.27% | 1.10% | 0.00% | 0.00% | 3.98% |
| Q3 2025 | 16.67% | 1.22% | 0.06% | 0.33% | 3.98% |
| Q2 2025 | 15.83% | 1.21% | 0.00% | 0.00% | 3.92% |
| Q1 2025 | 15.42% | 1.29% | 0.06% | 0.37% | 3.88% |
| Q4 2024 | 14.79% | 1.15% | 0.03% | 0.19% | 3.87% |
| Q3 2024 | 16.00% | 1.42% | 0.02% | 0.09% | 3.96% |
Swipe the table sideways to see every column.
Branch Network
View all 5 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 |
|---|---|---|---|
| Security Bank (main office) | Laurel , NE | 68745 | $86.6M |
| Osmond Branch | Osmond , NE | 68765 | $76.1M |
| Hartington Branch | Hartington , NE | 68739 | $48.0M |
| Allen Branch | Allen , NE | 68710 | $43.7M |
| The Coleridge National Bank Branch | Coleridge , NE | 68727 | $15.3M |
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 |
|---|---|---|---|
| July 23, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 23, 2005 | Structure Change | Acquired The Coleridge National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 2, 1998 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 2, 1998 | Structure Change | Acquired Osmond State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 1, 1991 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 1991 | Structure Change | Acquired Security 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 NE, rank 67 of 160 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 8 applications, 3 loans originated, $665K originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $87K approved, $87K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (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 Security Bank
What are Security Bank's total assets?
As of the Q2 2026 filing, Security Bank reported total assets of $309.9 million in its FFIEC call report.
Where is Security Bank headquartered?
It is headquartered in Laurel, NE, United States.
When was Security Bank founded?
It was established in 1928, per the FDIC institution directory.
Is Security Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #5424). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Security Bank?
Security Bank's primary federal regulator is the Federal Reserve.
What is Security Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.81% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Security Bank operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Security Bank's Texas Ratio?
Its Texas Ratio is 3.61% 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.
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