Security Bank USA: 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.
Reserve coverage of non-performing loans climbed 71.36 percentage points in Q2 2026, from 516.19% to 587.56%. It was the largest change from Q1 2026 among the key lines here. Within Minnesota, Security Bank USA is 48th of 221 on return on assets, 1.87% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Security Bank USA sits 0.61 points higher, at 1.87% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.47% |
| Tier 1 risk-based capital ratio | 13.47% |
| Total risk-based capital ratio | 14.72% |
| Tier 1 leverage ratio | 9.36% |
| Equity capital to assets | 9.14% |
| Tangible equity to tangible assets | 9.14% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.22% |
| Non-performing assets ratio | 0.16% |
| Net charge-off ratio | 0.10% |
| Texas ratio | 1.64% |
| Allowance for credit losses to loans | 1.28% |
| Reserve coverage of non-performing loans | 587.56% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.87% |
| Return on equity | 20.40% |
| Net interest margin | 4.55% |
| Efficiency ratio | 62.87% |
| Yield on earning assets | 6.14% |
| Cost of funds | 1.69% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 81.60% |
| Core deposits to total deposits | 91.91% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 90.51% |
| Securities to assets | 17.45% |
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 | 13.46% | 13.46% | 14.71% | 9.32% | 1.57% |
| Q4 2023 | 13.03% | 13.03% | 14.28% | 9.19% | 0.96% |
| Q1 2024 | 13.73% | 13.73% | 14.98% | 9.37% | 1.15% |
| Q2 2024 | 13.59% | 13.59% | 14.84% | 9.39% | 1.14% |
| Q3 2024 | 14.11% | 14.11% | 15.36% | 9.56% | 1.91% |
| Q4 2024 | 13.92% | 13.92% | 15.17% | 9.30% | 1.41% |
| Q1 2025 | 13.68% | 13.68% | 14.93% | 9.38% | 1.34% |
| Q2 2025 | 13.49% | 13.49% | 14.74% | 9.48% | 1.76% |
| Q3 2025 | 13.47% | 13.47% | 14.73% | 9.56% | 1.75% |
| Q4 2025 | 14.08% | 14.08% | 15.33% | 9.62% | 1.37% |
| Q1 2026 | 14.46% | 14.46% | 15.71% | 9.74% | 1.80% |
| Q2 2026 | 13.47% | 13.47% | 14.72% | 9.36% | 1.87% |
Security Bank USA vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Security Bank USA, 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 USA profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1604) · FFIEC NIC profile (RSSD 950758)