Security State Bank: 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: 59.47 percentage points lower than in Q1 2026, at 31.19%. Security State Bank has the 2nd lowest return on assets of the 56 banks headquartered in South Dakota, at 0.03% as of Q2 2026. Against a median of 1.26% for banks in the $100M-1B asset tier, Security State Bank reported 4.36% on return on assets in Q2 2026, 3.10 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.55% |
| Tier 1 risk-based capital ratio | 13.55% |
| Total risk-based capital ratio | 14.55% |
| Tier 1 leverage ratio | 8.24% |
| Equity capital to assets | 6.86% |
| Tangible equity to tangible assets | 6.86% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 3.72% |
| Non-performing assets ratio | 1.96% |
| Net charge-off ratio | 1.48% |
| Texas ratio | 26.25% |
| Allowance for credit losses to loans | 1.16% |
| Reserve coverage of non-performing loans | 31.19% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 4.36% |
| Return on equity | 67.33% |
| Net interest margin | 3.69% |
| Efficiency ratio | 74.44% |
| Yield on earning assets | 5.33% |
| Cost of funds | 1.69% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 56.76% |
| Core deposits to total deposits | 95.44% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 92.79% |
| Securities to assets | 37.51% |
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 | — | — | — | 9.91% | 0.76% |
| Q4 2023 | — | — | — | 9.52% | 0.28% |
| Q1 2024 | — | — | — | 10.10% | 1.43% |
| Q2 2024 | — | — | — | 10.47% | 1.18% |
| Q3 2024 | — | — | — | 10.39% | 1.30% |
| Q4 2024 | — | — | — | 9.18% | -1.76% |
| Q1 2025 | — | — | — | 9.51% | 2.76% |
| Q2 2025 | — | — | — | 7.80% | -6.44% |
| Q3 2025 | 13.09% | 13.09% | 14.16% | 8.18% | 1.98% |
| Q4 2025 | 12.33% | 12.33% | 13.38% | 7.68% | -1.21% |
| Q1 2026 | 11.72% | 11.72% | 12.98% | 7.41% | -3.50% |
| Q2 2026 | 13.55% | 13.55% | 14.55% | 8.24% | 4.36% |
Security State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Security State Bank, 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16448) · FFIEC NIC profile (RSSD 270652)