Security National Bank of South Dakota
Also written as SNB of South Dakota
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Data as of · sourced from FFIEC call reports. How we update
Security National Bank of South Dakota is an FDIC-insured commercial bank headquartered in Dakota Dunes, SD, established in 1997 (FDIC certificate 34394), and it is supervised by the OCC. At Q2 2026 it reported total assets of $251.5M, up 5.1% from Q2 2025, the 32nd largest of 56 banks headquartered in South Dakota. It reports no CET1 ratio; its Tier 1 leverage ratio was 14.12% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 34394
- Headquarters
- Dakota Dunes, SD
- Established
- 1997
- Total assets, Q2 2026
- $251.5M
- Assets vs Q2 2025
- +5.1%
- Tier 1 leverage ratio, Q2 2026
- 14.12%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 091409610
- Latest call report
- Q2 2026, FFIEC 051 · Security National Bank of South Dakota Q3 2026 call report, filed October 27, 2026 (preliminary)
- Holding company
- SECURITY NATIONAL CORPORATION
- Asset rank in state
- 32nd of 56 in South Dakota
Security National Bank of South Dakota is one of the more profitable banks of its size. The Dakota Dunes, South Dakota bank had $251 million in assets at June 30, 2026, up 5.1% from a year earlier. It earns about $2.40 a year on every $100 of assets, about double the median of $1.28 for the 2,627 banks with $100 million to $1 billion in assets. It also spends about 44 cents to bring in each dollar of revenue, lower than about 9 in 10 banks its size (median 61 cents).
Net income for the quarter rose 30% from a year earlier, to $1.5 million. Over the same year, loans grew 15.4% and deposits grew 2.6%. Its margin is thin by comparison: it keeps 3.15 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.96 cents).
As of June 30, 2026, Security National Bank of South Dakota reported a return on assets of 2.40%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Security National Bank of South Dakota ranks as the 32nd largest of the 56 banks based in South Dakota, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 0.7% to $251.5M, loans rose 6.0% and deposits fell 1.1%. 1-4 family residential loans made up 41.5% of its total loans on June 30, 2026, its largest category; next came multifamily loans at 21.3%. The FDIC Summary of Deposits lists 3 offices for it, in Sioux Falls, SD and Dakota Dunes, SD; its Sioux Falls 2 offices book 54% of its branch deposits. On its Q2 2026 call report, Security National Bank of South Dakota meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 325 Dakota Dunes Blvd, Dakota Dunes, SD 57049
- County
- Union
- Metro Area
- Sioux City, Ia-Ne-SD
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- May 1, 1997
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 38
- Domestic deposits
- $194.7M
- Allowance for credit losses
- $2.3M
- Net charge-offs (YTD)
- $2K
- Average total assets
- $255.3M
- Average total loans
- $168.5M
- Average interest-bearing deposits
- $156.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- May 1, 1997
- FDIC Cert
- 34394
- Fed RSSD
- 2529176
- Website
- http://www.snbsd.com →
- Parent Holding Company
- SECURITY NATIONAL CORPORATION (RSSD 1200348)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Security National Bank of South Dakota reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Security National Bank of South Dakota's total assets moved between a low of $218.1M (Q4 2023) and a high of $253.2M (Q1 2026) from Q3 2023 to Q2 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
$251.5M total assets against $239.2M; $216.7M total liabilities against $207.4M.
$170.3M net loans and leases against $147.3M; $194.7M total deposits against $189.7M.
$49.0M securities against $48.7M; $18.6M cash and balances due against $30.7M.
$2.9M total interest income against $2.5M; $988K total interest expense against $1.0M.
$1.9M net interest income against $1.5M.
$1.7M total noninterest income against $1.5M; $1.6M total noninterest expense against $1.4M.
No provision recorded in the last 12 quarters.
$1.5M net income against $1.2M.
2.40% return on assets against 1.93%; 3.15% net interest margin against 2.60%.
14.12% tier 1 leverage ratio against 13.75%.
Inside the full Security National Bank of South Dakota terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeSecurity National Bank of South Dakota rankings
Its closest position to the top of a national ranking is 205 of 3,611, for ROA; its furthest is 3,506 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.72% (Q4 2024) to 2.45% (Q1 2026) and its net interest margin ran from 2.24% (Q4 2024) to 3.15% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.12% | 2.40% | 0.00% | 0.00% | 3.15% |
| Q1 2026 | 13.78% | 2.45% | 0.00% | 0.00% | 2.93% |
| Q4 2025 | 13.73% | 1.89% | 0.00% | 0.01% | 2.81% |
| Q3 2025 | 14.16% | 2.03% | 0.00% | 0.00% | 2.75% |
| Q2 2025 | 13.75% | 1.93% | 0.00% | 0.00% | 2.60% |
| Q1 2025 | 13.09% | 1.91% | 0.00% | 0.02% | 2.36% |
| Q4 2024 | 12.98% | 1.72% | 0.00% | 0.00% | 2.24% |
| Q3 2024 | 14.06% | 1.80% | 0.00% | 0.00% | 2.31% |
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 National Bank of South Dakota (main office) | Dakota Dunes , SD | 57049 | $89.3M |
| 74th and Louise Branch | Sioux Falls , SD | 57108 | $65.5M |
| 26th Street Branch | Sioux Falls , SD | 57106 | $40.0M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- August 12, 1991, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Security Bank Of South Dakota, National Association
- Period: Most recent institution action August 12, 1991. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in SD, rank 38 of 82 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 107 applications, 54 loans originated, $57.8M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $102K approved, $102K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2013 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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 National Bank of South Dakota
What are Security National Bank of South Dakota's total assets?
As of the Q2 2026 filing, Security National Bank of South Dakota reported total assets of $251.5 million in its FFIEC call report.
Where is Security National Bank of South Dakota headquartered?
It is headquartered in Dakota Dunes, SD, United States.
When was Security National Bank of South Dakota founded?
It was established in 1997, per the FDIC institution directory.
Is Security National Bank of South Dakota FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #34394). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Security National Bank of South Dakota?
Security National Bank of South Dakota's primary federal regulator is the OCC.
How many branches does Security National Bank of South Dakota 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 National Bank of South Dakota's Texas Ratio?
Its Texas Ratio is 0.00% 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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