Security Bank & Trust Company: 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: 15.46 percentage points lower than in Q1 2026, at 295.31%. Security Bank & Trust Company ranks 31st of 221 Minnesota banks on return on assets, in the upper half at 2.03% (Q2 2026). Against a median of 1.28% for banks in the $1B-10B asset tier, Security Bank & Trust Company reported 2.03% on return on assets in Q2 2026, 0.75 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.90% |
| Tier 1 risk-based capital ratio | 13.90% |
| Total risk-based capital ratio | 14.96% |
| Tier 1 leverage ratio | 9.37% |
| Equity capital to assets | 9.39% |
| Tangible equity to tangible assets | 9.18% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.34% |
| Non-performing assets ratio | 0.22% |
| Net charge-off ratio | 0.13% |
| Texas ratio | 2.26% |
| Allowance for credit losses to loans | 1.00% |
| Reserve coverage of non-performing loans | 295.31% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.03% |
| Return on equity | 21.30% |
| Net interest margin | 3.93% |
| Efficiency ratio | 47.00% |
| Yield on earning assets | 5.73% |
| Cost of funds | 1.94% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 72.07% |
| Core deposits to total deposits | 91.64% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 90.34% |
| Securities to assets | 30.09% |
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 | 15.58% | 15.58% | 16.83% | 9.04% | 1.52% |
| Q4 2023 | 15.31% | 15.31% | 16.56% | 9.06% | 1.25% |
| Q1 2024 | 12.35% | 12.35% | 13.48% | 7.83% | 1.11% |
| Q2 2024 | 12.39% | 12.39% | 13.47% | 8.71% | 1.76% |
| Q3 2024 | 12.38% | 12.38% | 13.53% | 8.54% | 1.01% |
| Q4 2024 | 12.91% | 12.91% | 14.05% | 8.75% | 1.45% |
| Q1 2025 | 13.73% | 13.73% | 14.72% | 8.99% | 1.35% |
| Q2 2025 | 13.33% | 13.33% | 14.29% | 9.02% | 1.52% |
| Q3 2025 | 12.89% | 12.89% | 13.87% | 8.58% | 1.62% |
| Q4 2025 | 13.47% | 13.47% | 14.54% | 8.91% | 2.02% |
| Q1 2026 | 14.01% | 14.01% | 15.10% | 9.35% | 1.91% |
| Q2 2026 | 13.90% | 13.90% | 14.96% | 9.37% | 2.03% |
Security Bank & Trust Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Security Bank & Trust Company, 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 & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15324) · FFIEC NIC profile (RSSD 1001059)