Security Bank, S.B.
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Data as of · sourced from FFIEC call reports. How we update
Security Bank, S.B. is an FDIC-insured savings bank headquartered in Springfield, IL, established in 1906 (FDIC certificate 27723), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $244.5M, up 12.9% from Q2 2025, the 170th largest of 319 banks headquartered in Illinois. Its CET1 capital ratio was 18.26% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 27723
- Headquarters
- Springfield, IL
- Established
- 1906
- Total assets, Q2 2026
- $244.5M
- Assets vs Q2 2025
- +12.9%
- CET1 ratio, Q2 2026
- 18.26%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 271173452
- Holding company
- SECURITY MIDWEST BANCORP, INC.
- Asset rank in state
- 170th of 319 in Illinois
Security Bank, S.B., based in Springfield, Illinois, reported $244 million in assets at June 30, 2026, up 12.9% from a year earlier. It grew its loan book 21.8% over the year, 4.0 times the median of 5.5% for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 77 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
Loans and deposits moved in opposite directions: over the year loans rose 21.8% and deposits fell 7.5%. Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.16% of loans from 0.72%. Profitability lags: it earns about $0.72 a year on every $100 of assets, lower than about three-quarters of banks its size (median $1.28).
As of June 30, 2026, Security Bank, S.B. reported a CET1 capital ratio of 18.26%, a return on assets of 0.72%, a nonperforming-loan ratio of 0.16% and a Texas ratio of 0.92%. The figures come from its call report filed with the FFIEC.
Of the 319 banks headquartered in Illinois, Security Bank, S.B. is the 170th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 2.8% to $244.5M, loans rose 5.8% and deposits fell 4.1%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 33.2% of total loans, ahead of 1-4 family residential loans at 32.2%. Its 3 offices in the FDIC Summary of Deposits are in Springfield, IL. By the capital ratios in its Q2 2026 call report, Security Bank, S.B. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 510 E Monroe St, Springfield, IL 62701
- County
- Sangamon
- Metro Area
- Springfield, IL
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- —
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- January 1, 1906
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 55
- Domestic deposits
- $185.5M
- Allowance for credit losses
- $1.2M
- Net charge-offs (YTD)
- -$5K
- Average total assets
- $246.9M
- Average total loans
- $133.6M
- Average interest-bearing deposits
- $131.4M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 27723
- Fed RSSD
- 218878
- SEC CIK
- 2036060 → filed by SECURITY MIDWEST BANCORP, INC.
- Website
- www.securitybk.com →
- Parent Holding Company
- SECURITY MIDWEST BANCORP, INC. (RSSD 5975868) · SBMW
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Stephan P Antonacci | CEO | President & CEO |
| Brenda K Minder | CFO | EVP & Chief Financial Officer |
| Jacob Wear | CRO | SVP and CRO |
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.B.'s total assets ranged from $196.1M (Q3 2023) to $256.6M (Q4 2025), and it earned a profit in 9 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$244.5M total assets against $216.5M; $221.8M total liabilities against $201.0M.
$136.3M net loans and leases against $111.7M; $185.5M total deposits against $200.5M.
$75.6M securities against $44.3M; $20.3M cash and balances due against $49.1M.
$3.2M total interest income against $2.5M; $898K total interest expense against $546K.
$2.3M net interest income against $1.9M.
$451K total noninterest income against $486K; $2.1M total noninterest expense against $1.9M.
$24K provision for credit losses against $8K.
$446K net income against $340K.
0.72% return on assets against 0.67%; 3.91% net interest margin against 4.02%.
18.26% CET1 capital ratio against 16.35%; 10.09% tier 1 leverage ratio against 9.15%.
Inside the full Security Bank, S.B. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Security Bank, S.B. rankings
Its closest position to the top of a national ranking is 456 of 2,134, for CET1 ratio; its furthest is 3,121 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -1.29% (Q4 2025) to 0.88% (Q4 2024) and its net interest margin ran from 3.56% (Q3 2024) to 4.08% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 18.26% | 0.72% | 0.16% | 0.92% | 3.91% |
| Q1 2026 | 18.86% | 0.66% | 0.17% | 0.97% | 3.68% |
| Q4 2025 | 19.87% | -1.29% | 0.27% | 1.40% | 3.88% |
| Q3 2025 | 21.51% | 0.60% | 0.60% | 2.95% | 4.08% |
| Q2 2025 | 16.35% | 0.67% | 0.72% | 4.88% | 4.02% |
| Q1 2025 | 16.37% | 0.74% | 0.78% | 5.39% | 3.73% |
| Q4 2024 | 15.73% | 0.88% | 1.16% | 8.74% | 3.74% |
| Q3 2024 | 15.26% | -0.53% | 1.34% | 9.98% | 3.56% |
Swipe the table sideways to see every column.
Branch Network
View all 3 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, S.B. (main office) | Springfield , IL | 62701 | $92.1M |
| 2500 Stevenson Drive Branch | Springfield , IL | 62703 | $49.0M |
| 3001 Chatham Road Branch | Springfield , IL | 62704 | $44.4M |
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 1, 1995 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 1995 | Structure Change | Acquired United Bank, S.B. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 30, 1981 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 1, 1981 | Structure Change | Acquired Sangamon Home Savings Association 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 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 218 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 116 applications, 96 loans originated, $17.3M originated, across 5 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $204K approved, $102K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2018 (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, S.B.
What are Security Bank, S.B.'s total assets?
As of the Q2 2026 filing, Security Bank, S.B. reported total assets of $244.5 million in its FFIEC call report.
Where is Security Bank, S.B. headquartered?
It is headquartered in Springfield, IL, United States.
When was Security Bank, S.B. founded?
It was established in 1906, per the FDIC institution directory.
Is Security Bank, S.B. FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #27723). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Security Bank, S.B.?
Security Bank, S.B.'s primary federal regulator is the FDIC.
What is Security Bank, S.B.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 18.26% 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, S.B. operate?
It operates 3 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.B.'s Texas Ratio?
Its Texas Ratio is 0.92% 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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