Security State Bank of Kenyon
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Data as of · sourced from FFIEC call reports. How we update
Security State Bank of Kenyon is an FDIC-insured commercial bank headquartered in Kenyon, MN, established in 1934 (FDIC certificate 15597), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $72.2M, up 7.6% from Q2 2025, the 193rd largest of 221 banks headquartered in Minnesota. Its CET1 capital ratio was 15.77% 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
- 15597
- Headquarters
- Kenyon, MN
- Established
- 1934
- Total assets, Q2 2026
- $72.2M
- Assets vs Q2 2025
- +7.6%
- CET1 ratio, Q2 2026
- 15.77%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 091916093
- Latest call report
- Q2 2026, FFIEC 051 · Security State Bank of Kenyon call report
- Holding company
- ELLINGSON CORPORATION
- Asset rank in state
- 193rd of 221 in Minnesota
Problem loans are rising at Security State Bank of Kenyon. The Kenyon, Minnesota bank had $72 million in assets at June 30, 2026, up 7.6% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.36% of loans from 0.00% a year earlier. It grew deposits 8.1% over the year, about triple the median of 2.5% for the 583 banks with less than $100 million in assets. It also holds common equity equal to 15.77% of its risk-weighted assets, lower than about three-quarters of banks its size (median 22.08%).
Earnings jumped: net income for the quarter was $233,000, 62% above the same quarter a year earlier.
As of June 30, 2026, Security State Bank of Kenyon reported a CET1 capital ratio of 15.77%, a return on assets of 1.28%, a nonperforming-loan ratio of 0.36% and a Texas ratio of 2.09%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Security State Bank of Kenyon is the 193rd largest of the 221 banks headquartered in Minnesota. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.4% to $72.2M, loans rose 4.4% and deposits rose 1.2%. The largest part of its loan book on June 30, 2026 was farmland and other real estate loans, at 29.9% of total loans, ahead of agricultural production loans at 28.4%. Its one office in the FDIC Summary of Deposits is in Kenyon, MN. On its Q2 2026 call report, Security State Bank of Kenyon meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 602 2nd St, Kenyon, MN 55946
- County
- Goodhue
- Metro Area
- Red Wing, 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 051
- Established
- July 23, 1934
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 13
- Domestic deposits
- $63.2M
- Allowance for credit losses
- $564K
- Net charge-offs (YTD)
- -$4K
- Average total assets
- $72.6M
- Average total loans
- $53.7M
- Average interest-bearing deposits
- $44.8M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- April 21, 1938
- FDIC Cert
- 15597
- Fed RSSD
- 984454
- Website
- www.ssbkenyon.com →
- Parent Holding Company
- ELLINGSON CORPORATION (RSSD 1121881)
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
From Q3 2023 to Q2 2026, Security State Bank of Kenyon's total assets ranged from $67.1M (Q2 2025) to $72.3M (Q4 2023), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$72.2M total assets against $67.1M; $63.4M total liabilities against $58.7M.
$53.9M net loans and leases against $50.3M; $63.2M total deposits against $58.4M.
$10.2M securities against $8.9M; $3.9M cash and balances due against $3.8M.
$963K total interest income against $893K; $209K total interest expense against $191K.
$754K net interest income against $702K.
$37K total noninterest income against $39K; $519K total noninterest expense against $574K.
$20K provision for credit losses against $30K.
$233K net income against $144K.
1.28% return on assets against 0.85%; 4.48% net interest margin against 4.48%.
15.77% CET1 capital ratio against 16.42%; 12.56% tier 1 leverage ratio against 13.21%.
Inside the full Security State Bank of Kenyon terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.85% (Q4 2024) to 1.28% (Q2 2026) and its net interest margin ran from 4.10% (Q3 2024) to 4.58% (Q4 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.77% | 1.28% | 0.36% | 2.09% | 4.48% |
| Q1 2026 | 15.93% | 0.43% | 0.28% | 1.62% | 4.40% |
| Q4 2025 | 16.63% | 1.04% | 0.01% | 0.04% | 4.50% |
| Q3 2025 | 16.80% | 1.12% | 0.00% | 0.00% | 4.52% |
| Q2 2025 | 16.42% | 0.85% | 0.00% | 0.00% | 4.48% |
| Q1 2025 | 16.11% | 0.91% | 1.84% | 10.77% | 4.34% |
| Q4 2024 | 15.50% | -0.85% | 0.98% | 8.45% | 4.58% |
| Q3 2024 | 16.31% | 0.75% | 2.66% | 17.77% | 4.10% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 State Bank of Kenyon (main office) | Kenyon , MN | 55946 | $63.2M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MN, rank 233 of 277 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $350K approved, $175K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2012 (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 State Bank of Kenyon
What are Security State Bank of Kenyon's total assets?
As of the Q2 2026 filing, Security State Bank of Kenyon reported total assets of $72.2 million in its FFIEC call report.
Where is Security State Bank of Kenyon headquartered?
It is headquartered in Kenyon, MN, United States.
When was Security State Bank of Kenyon founded?
It was established in 1934, per the FDIC institution directory.
Is Security State Bank of Kenyon FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #15597). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Security State Bank of Kenyon?
Security State Bank of Kenyon's primary federal regulator is the FDIC.
What is Security State Bank of Kenyon's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.77% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Security State Bank of Kenyon operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Security State Bank of Kenyon's Texas Ratio?
Its Texas Ratio is 2.09% 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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