Security Bank USA
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Data as of · sourced from FFIEC call reports. How we update
Security Bank USA is an FDIC-insured commercial bank headquartered in Bemidji, MN, established in 1910 (FDIC certificate 1604), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $263.9M, up 4.6% from Q2 2025, the 95th largest of 221 banks headquartered in Minnesota. Its CET1 capital ratio was 13.47% 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
- 1604
- Headquarters
- Bemidji, MN
- Established
- 1910
- Total assets, Q2 2026
- $263.9M
- Assets vs Q2 2025
- +4.6%
- CET1 ratio, Q2 2026
- 13.47%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 091201258
- Holding company
- SECURITY STATE BANCSHARES OF BEMIDJI, INC.
- Asset rank in state
- 95th of 221 in Minnesota
Security Bank USA is one of the more profitable banks of its size. The Bemidji, Minnesota bank had $264 million in assets at June 30, 2026, up 4.6% from a year earlier. It returns 20.4% a year on shareholders' equity, higher than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 12.5%). On the other hand, it funds 9.36% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%). A wide margin does most of the work: it keeps 4.55 cents of net interest income on every dollar of earning assets.
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 0.22% of loans from 1.16%. Its $32 million commercial and industrial book is improving, with 0.14% past due or on nonaccrual, down from 1.83% a year earlier.
As of June 30, 2026, Security Bank USA reported a CET1 capital ratio of 13.47%, a return on assets of 1.87%, a nonperforming-loan ratio of 0.22% and a Texas ratio of 1.64%. The figures come from its call report filed with the FFIEC.
Of the 221 banks headquartered in Minnesota, Security Bank USA is the 95th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 4.3% to $263.9M, loans rose 2.8% and deposits fell 4.4%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 38.8% of total loans, ahead of owner-occupied commercial real estate loans at 22.1%. The FDIC Summary of Deposits lists 2 offices for it, in Bemidji, MN. By the capital ratios in its Q2 2026 call report, Security Bank USA meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1025 Paul Bunyan Dr Nw, Bemidji, MN 56601
- County
- Beltrami
- Metro Area
- Bemidji, MN
- 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 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- February 7, 1910
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 50
- Domestic deposits
- $238.8M
- Allowance for credit losses
- $2.5M
- Net charge-offs (YTD)
- $46K
- Average total assets
- $268.3M
- Average total loans
- $192.4M
- Average interest-bearing deposits
- $198.6M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1604
- Fed RSSD
- 950758
- Website
- www.SecurityBankusa.com →
- Parent Holding Company
- SECURITY STATE BANCSHARES OF BEMIDJI, INC. (RSSD 1125496)
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
Over the 12 quarters to Q2 2026, Security Bank USA's total assets ran between $238.1M (Q4 2023) and $275.7M (Q1 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
$263.9M total assets against $252.2M; $239.7M total liabilities against $230.0M.
$192.4M net loans and leases against $178.2M; $238.8M total deposits against $229.2M.
$46.0M securities against $44.8M; $14.8M cash and balances due against $19.8M.
$3.9M total interest income against $3.6M; $1.0M total interest expense against $998K.
$2.9M net interest income against $2.6M.
$512K total noninterest income against $524K; $2.2M total noninterest expense against $2.0M.
$0 provision for credit losses against $0.
$1.3M net income against $1.1M.
1.87% return on assets against 1.76%; 4.55% net interest margin against 4.37%.
13.47% CET1 capital ratio against 13.49%; 9.36% tier 1 leverage ratio against 9.48%.
Inside the full Security Bank USA terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeSecurity Bank USA rankings
Its closest position to the top of a national ranking is 648 of 3,611, for ROA; its furthest is 2,412 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.34% (Q1 2025) to 1.91% (Q3 2024) and its net interest margin ran from 4.04% (Q1 2025) to 4.73% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.47% | 1.87% | 0.22% | 1.64% | 4.55% |
| Q1 2026 | 14.46% | 1.80% | 0.37% | 2.53% | 4.45% |
| Q4 2025 | 14.08% | 1.37% | 0.47% | 3.20% | 4.73% |
| Q3 2025 | 13.47% | 1.75% | 1.10% | 8.02% | 4.53% |
| Q2 2025 | 13.49% | 1.76% | 1.16% | 8.52% | 4.37% |
| Q1 2025 | 13.68% | 1.34% | 1.18% | 8.87% | 4.04% |
| Q4 2024 | 13.92% | 1.41% | 0.83% | 6.01% | 4.09% |
| Q3 2024 | 14.11% | 1.91% | 0.14% | 0.94% | 4.24% |
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Branch Network
View all 2 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 USA (main office) | Bemidji , MN | 56601 | $238.8M |
| Detached Facility | Bemidji , MN | 56601 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MN, rank 125 of 277 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 15 loans, $1.6M approved, $104K 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, Mortgage lending (HMDA), 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 USA
What are Security Bank USA's total assets?
As of the Q2 2026 filing, Security Bank USA reported total assets of $263.9 million in its FFIEC call report.
Where is Security Bank USA headquartered?
It is headquartered in Bemidji, MN, United States.
When was Security Bank USA founded?
It was established in 1910, per the FDIC institution directory.
Is Security Bank USA FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #1604). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Security Bank USA?
Security Bank USA's primary federal regulator is the FDIC.
What is Security Bank USA's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.47% 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 USA operate?
It operates 2 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 USA's Texas Ratio?
Its Texas Ratio is 1.64% 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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