Security First Bank of North Dakota: 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: 1523.40 percentage points higher than in Q1 2026, at 1656.28%. Security First Bank of North Dakota ranks 10th of 60 North Dakota banks on return on assets, in the upper half at 1.92% (Q2 2026). Security First Bank of North Dakota's return on assets of 1.92% is well above the 1.25% median for banks in the $100M-1B asset tier, a gap of 0.66 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.99% |
| Equity capital to assets | 12.89% |
| Tangible equity to tangible assets | 12.89% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.09% |
| Non-performing assets ratio | 0.81% |
| Net charge-off ratio | -0.13% |
| Texas ratio | 5.80% |
| Allowance for credit losses to loans | 1.42% |
| Reserve coverage of non-performing loans | 1656.28% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.92% |
| Return on equity | 15.17% |
| Net interest margin | 4.70% |
| Efficiency ratio | 61.57% |
| Yield on earning assets | 5.88% |
| Cost of funds | 1.31% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 93.97% |
| Core deposits to total deposits | 93.11% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 84.20% |
| Securities to assets | 8.48% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 13.55% | 2.14% | 4.63% | 0.10% | 0.01% |
| Q4 2023 | 12.32% | -0.02% | 4.34% | 0.10% | 0.00% |
| Q1 2024 | 12.63% | 1.55% | 4.23% | 0.10% | 0.02% |
| Q2 2024 | 12.36% | 1.43% | 4.32% | 0.09% | 0.00% |
| Q3 2024 | 12.40% | 1.23% | 4.50% | 0.09% | 0.00% |
| Q4 2024 | 12.01% | 1.81% | 4.54% | 2.03% | 0.04% |
| Q1 2025 | 12.23% | 1.64% | 4.42% | 2.08% | 0.00% |
| Q2 2025 | 12.28% | 2.16% | 4.85% | 2.02% | -0.00% |
| Q3 2025 | 12.59% | 1.66% | 4.92% | 1.86% | 0.01% |
| Q4 2025 | 12.89% | 2.05% | 4.83% | 1.08% | 3.36% |
| Q1 2026 | 12.99% | 1.82% | 4.62% | 1.09% | 0.13% |
| Q2 2026 | 12.99% | 1.92% | 4.70% | 0.09% | -0.13% |
Security First Bank of North Dakota vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Security First Bank of North Dakota, 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 First Bank of North Dakota profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11519) · FFIEC NIC profile (RSSD 693952)