Security Bank Minnesota: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 5.73 percentage points higher than in Q1 2026, at 56.21%. Within Minnesota, Security Bank Minnesota is 127th of 221 on return on assets, 1.25% as of Q2 2026, below the middle of the field. At 1.25%, Security Bank Minnesota's return on assets is close to the 1.25% median for banks in the $100M-1B asset tier (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.15% |
| Tier 1 risk-based capital ratio | 13.15% |
| Total risk-based capital ratio | 14.40% |
| Tier 1 leverage ratio | 9.78% |
| Equity capital to assets | 10.10% |
| Tangible equity to tangible assets | 10.10% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.92% |
| Non-performing assets ratio | 2.18% |
| Net charge-off ratio | 0.35% |
| Texas ratio | 19.22% |
| Allowance for credit losses to loans | 1.64% |
| Reserve coverage of non-performing loans | 56.21% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.25% |
| Return on equity | 13.13% |
| Net interest margin | 4.52% |
| Efficiency ratio | 60.72% |
| Yield on earning assets | 5.93% |
| Cost of funds | 1.56% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 86.45% |
| Core deposits to total deposits | 95.32% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.21% |
| Securities to assets | 18.78% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.38% | 12.38% | 13.63% | 11.01% | 2.41% |
| Q4 2023 | 12.28% | 12.28% | 13.53% | 10.81% | -0.12% |
| Q1 2024 | 10.85% | 10.85% | 12.10% | 9.51% | 1.13% |
| Q2 2024 | 11.36% | 11.36% | 12.61% | 9.61% | 0.35% |
| Q3 2024 | 11.91% | 11.91% | 13.15% | 9.89% | 0.32% |
| Q4 2024 | 11.90% | 11.90% | 12.91% | 10.02% | 0.01% |
| Q1 2025 | 12.43% | 12.43% | 13.64% | 9.67% | 0.92% |
| Q2 2025 | 13.03% | 13.03% | 14.25% | 9.68% | 0.70% |
| Q3 2025 | 13.84% | 13.84% | 15.09% | 10.10% | 1.16% |
| Q4 2025 | 13.28% | 13.28% | 14.44% | 10.06% | 0.09% |
| Q1 2026 | 13.07% | 13.07% | 14.33% | 9.52% | 1.14% |
| Q2 2026 | 13.15% | 13.15% | 14.40% | 9.78% | 1.25% |
Security Bank Minnesota vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Security Bank Minnesota, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Security Bank Minnesota profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10984) · FFIEC NIC profile (RSSD 295057)