Security State Bank of Warroad: 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.
Brokered deposits to total deposits dropped 2.96 percentage points in Q2 2026, from 8.06% to 5.10%. It was the largest change from Q1 2026 among the key lines here. Within Minnesota, Security State Bank of Warroad is 196th of 221 on return on assets, 0.68% as of Q2 2026, below the middle of the field. Security State Bank of Warroad reported 0.68% on return on assets for Q2 2026, 0.56 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 16.41% |
| Equity capital to assets | 12.60% |
| Tangible equity to tangible assets | 12.60% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.71% |
| Texas ratio | 14.90% |
| Allowance for credit losses to loans | 2.98% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.68% |
| Return on equity | 5.60% |
| Net interest margin | 3.53% |
| Efficiency ratio | 67.93% |
| Yield on earning assets | 4.66% |
| Cost of funds | 1.26% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 58.07% |
| Core deposits to total deposits | 90.57% |
| Brokered deposits to total deposits | 5.10% |
| Deposits to assets | 86.67% |
| Securities to assets | 37.57% |
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 | 13.54% | 0.88% | 3.01% | 0.03% | -0.06% |
| Q4 2023 | 14.16% | 0.99% | 3.01% | 0.00% | 0.06% |
| Q1 2024 | 14.44% | 0.71% | 2.95% | 0.02% | 0.31% |
| Q2 2024 | 14.77% | 0.58% | 2.91% | 0.02% | 0.62% |
| Q3 2024 | 14.71% | 0.45% | 3.02% | 0.01% | 0.08% |
| Q4 2024 | 14.83% | 0.48% | 2.84% | 0.00% | 2.96% |
| Q1 2025 | 15.26% | 0.57% | 3.16% | 0.00% | 0.09% |
| Q2 2025 | 15.52% | 0.59% | 3.35% | 0.00% | 0.22% |
| Q3 2025 | 15.66% | 0.72% | 3.57% | 0.00% | -0.08% |
| Q4 2025 | 15.64% | 1.04% | 3.52% | 0.00% | -0.01% |
| Q1 2026 | 16.06% | 0.70% | 3.34% | 0.00% | -0.57% |
| Q2 2026 | 16.41% | 0.68% | 3.53% | 0.00% | 0.71% |
Security State Bank of Warroad vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Security State Bank of Warroad, 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 of Warroad profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9773) · FFIEC NIC profile (RSSD 868059)