Security Trust & Savings Bank
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Data as of · sourced from FFIEC call reports. How we update
Security Trust & Savings Bank is an FDIC-insured commercial bank headquartered in Storm Lake, IA, established in 1908 (FDIC certificate 968), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $266.4M, down 0.8% from Q2 2025, the 121st largest of 225 banks headquartered in Iowa. Its CET1 capital ratio was 31.77% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 968
- Headquarters
- Storm Lake, IA
- Established
- 1908
- Total assets, Q2 2026
- $266.4M
- Assets vs Q2 2025
- -0.8%
- CET1 ratio, Q2 2026
- 31.77%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 073903529
- Holding company
- STORM LAKE SECURITY BANCORPORATION
- Asset rank in state
- 121st of 225 in Iowa
Security Trust & Savings Bank, based in Storm Lake, Iowa, reported $266 million in assets at June 30, 2026. It keeps 2.75 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). On the other hand, it holds common equity equal to 31.77% of its risk-weighted assets, about double the median of 15.12% for banks its size.
Its $8.3 million commercial and industrial book is improving, with 7.34% past due or on nonaccrual, down from 8.86% a year earlier. Net income for the quarter rose 23% from a year earlier, to $879,000.
As of June 30, 2026, Security Trust & Savings Bank reported a CET1 capital ratio of 31.77%, a return on assets of 1.28%, a nonperforming-loan ratio of 0.78% and a Texas ratio of 2.36%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Security Trust & Savings Bank is the 121st largest of the 225 banks headquartered in Iowa. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 6.1% to $266.4M, loans rose 0.1% and deposits fell 6.9%. The largest part of its loan book on June 30, 2026 was agricultural production loans, at 30.7% of total loans, ahead of farmland and other real estate loans at 27.5%. Its 3 offices in the FDIC Summary of Deposits are in Storm Lake, IA and Rembrandt, IA; its Storm Lake 2 offices book 82% of its branch deposits. Judged on its Q2 2026 call report, Security Trust & Savings Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 601 Lake Street, Storm Lake, IA 50588
- County
- Buena Vista
- Metro Area
- Storm Lake, IA
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1908
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 19
- Domestic deposits
- $239.4M
- Allowance for credit losses
- $1.4M
- Net charge-offs (YTD)
- $37K
- Average total assets
- $275.5M
- Average total loans
- $78.5M
- Average interest-bearing deposits
- $232.6M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 968
- Fed RSSD
- 363648
- Website
- www.securitybanksl.com →
- Parent Holding Company
- STORM LAKE SECURITY BANCORPORATION (RSSD 2382344)
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
Security Trust & Savings Bank's total assets moved between a low of $263.2M (Q2 2024) and a high of $283.7M (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
$266.4M total assets against $268.6M; $240.0M total liabilities against $244.5M.
$78.4M net loans and leases against $76.1M; $239.4M total deposits against $243.9M.
$93.6M securities against $102.1M; $89.8M cash and balances due against $85.6M.
$3.0M total interest income against $3.1M; $1.1M total interest expense against $1.4M.
$1.9M net interest income against $1.7M.
$43K total noninterest income against $57K; $1.0M total noninterest expense against $963K.
$0 provision for credit losses against $0.
$879K net income against $717K.
1.28% return on assets against 1.04%; 2.75% net interest margin against 2.40%.
31.77% CET1 capital ratio against 30.36%; 10.41% tier 1 leverage ratio against 9.71%.
Inside the full Security Trust & Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeSecurity Trust & Savings Bank rankings
Its closest position to the top of a national ranking is 64 of 2,134, for CET1 ratio; its furthest is 2,621 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.34% (Q3 2024) to 1.28% (Q2 2026) and its net interest margin ran from 1.75% (Q3 2024) to 2.75% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 31.77% | 1.28% | 0.78% | 2.36% | 2.75% |
| Q1 2026 | 31.34% | 1.20% | 0.79% | 2.42% | 2.63% |
| Q4 2025 | 29.77% | 1.04% | 0.71% | 2.24% | 2.59% |
| Q3 2025 | 31.87% | 1.11% | 0.77% | 2.28% | 2.42% |
| Q2 2025 | 30.36% | 1.04% | 0.76% | 2.48% | 2.40% |
| Q1 2025 | 29.59% | 0.87% | 0.94% | 3.17% | 2.25% |
| Q4 2024 | 28.63% | 0.70% | 0.68% | 2.57% | 2.10% |
| Q3 2024 | 30.13% | 0.34% | 0.73% | 2.36% | 1.75% |
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 Trust & Savings Bank (main office) | Storm Lake , IA | 50588 | $196.8M |
| Rembrandt Branch | Rembrandt , IA | 50576 | $42.6M |
| Auto Branch | Storm Lake , IA | 50588 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| November 8, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 8, 2018 | Structure Change | Acquired The First National Bank of Rembrandt Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in IA, rank 119 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $44K approved, $44K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2002 (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 Trust & Savings Bank
What are Security Trust & Savings Bank's total assets?
As of the Q2 2026 filing, Security Trust & Savings Bank reported total assets of $266.4 million in its FFIEC call report.
Where is Security Trust & Savings Bank headquartered?
It is headquartered in Storm Lake, IA, United States.
When was Security Trust & Savings Bank founded?
It was established in 1908, per the FDIC institution directory.
Is Security Trust & Savings Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #968). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Security Trust & Savings Bank?
Security Trust & Savings Bank's primary federal regulator is the Federal Reserve.
What is Security Trust & Savings Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 31.77% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Security Trust & Savings Bank 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 Trust & Savings Bank's Texas Ratio?
Its Texas Ratio is 2.36% 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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