The Security National Bank of Sioux City, Iowa
The Security National Bank of Sioux City, Iowa is an FDIC-insured commercial bank headquartered in Sioux City, IA, supervised by the OCC, with $1.69B in total assets at Q2 2026, up 3.5% from Q2 2025, the 18th largest of 225 banks headquartered in Iowa. It was established in 1884 and holds FDIC certificate 4506. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.79% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
Also written as SNB of Sioux City Iowa
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Data as of · sourced from FFIEC call reports. How we update
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 4506
- Headquarters
- Sioux City, IA
- Established
- 1884
- Total assets, Q2 2026
- $1.69B
- Assets vs Q2 2025
- +3.5%
- Tier 1 leverage ratio, Q2 2026
- 12.79%
- Domestic offices
- 10 · The Security National Bank of Sioux City, Iowa branches FDIC institution directory, current count
- Routing number
- 073900085
- Safety and soundness
- Is The Security National Bank of Sioux City, Iowa safe?
- Latest call report
- Q2 2026, FFIEC 051 · The Security National Bank of Sioux City, Iowa Q3 2026 call report, filed October 27, 2026 (preliminary)
- Holding company
- SECURITY NATIONAL CORPORATION
- Asset rank in state
- 18th of 225 in Iowa
The Security National Bank of Sioux City, Iowa, based in Sioux City, Iowa, reported $1.7 billion in assets at June 30, 2026, up 3.5% from a year earlier. It holds commercial real estate loans worth 1.0 times its capital, about half the median of 2.2 times for the 880 banks with $1 billion to $10 billion in assets. It also funds 12.79% of its assets with Tier 1 capital, higher than about three-quarters of banks its size (median 10.49%).
Net income for the quarter rose 18% from a year earlier, to $7.7 million. Over the same year, loans grew 8.1% and deposits grew 1.3%.
As of June 30, 2026, The Security National Bank of Sioux City, Iowa reported a return on assets of 1.81%, a nonperforming-loan ratio of 0.26% and a Texas ratio of 1.38%. The figures come from its call report filed with the FFIEC.
Of the 225 banks headquartered in Iowa, The Security National Bank of Sioux City, Iowa is the 18th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 2.6% to $1.69B, loans rose 1.5% and deposits fell 5.1%. 1-4 family residential loans made up 22.2% of its total loans on June 30, 2026, its largest category; next came agricultural production loans at 20.2%. The FDIC Summary of Deposits lists 10 offices for it, in 7 cities in IA; its Sioux City 4 offices book 65% of its branch deposits. By the capital ratios in its Q2 2026 call report, The Security National Bank of Sioux City, Iowa meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 601 Pierce St, Sioux City, IA 51101
- County
- Woodbury
- 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 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1884
- Domestic offices
- 10 FDIC institution directory, current count
- Employees (FTE)
- 239
- Domestic deposits
- $1.31B
- Allowance for credit losses
- $17.5M
- Net charge-offs (YTD)
- -$19K
- Average total assets
- $1.71B
- Average total loans
- $1.19B
- Average interest-bearing deposits
- $942.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4506
- Fed RSSD
- 418249
- Website
- https://www.snbonline.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. After a merger that grows assets 25% or more, the UBPR averages balances from the merger date on while the income stays year to date, so a YTD ratio can differ widely from the ratio of either quarter. 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, The Security National Bank of Sioux City, Iowa reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, The Security National Bank of Sioux City, Iowa's total assets ran between $1.30B (Q3 2023) and $1.74B (Q1 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
$1.69B total assets against $1.63B; $1.48B total liabilities against $1.44B.
$1.19B net loans and leases against $1.10B; $1.31B total deposits against $1.29B.
$325.5M securities against $335.1M; $94.6M cash and balances due against $121.4M.
$20.4M total interest income against $19.3M; $6.2M total interest expense against $6.6M.
$14.2M net interest income against $12.7M.
$6.6M total noninterest income against $5.8M; $10.9M total noninterest expense against $10.2M.
No provision recorded in the last 12 quarters.
$7.7M net income against $6.5M.
1.81% return on assets against 1.57%; 3.52% net interest margin against 3.22%.
12.79% tier 1 leverage ratio against 12.38%.
Inside the full The Security National Bank of Sioux City, Iowa terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Security National Bank of Sioux City, Iowa rankings
Its closest position to the top of a national ranking is 661 of 4,196, for total assets; its furthest is 2,515 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.12% (Q4 2024) to 1.81% (Q2 2026) and its net interest margin ran from 2.94% (Q4 2024) to 3.52% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.79% | 1.81% | 0.26% | 1.38% | 3.52% |
| Q1 2026 | 12.77% | 1.80% | 0.42% | 2.27% | 3.39% |
| Q4 2025 | 12.38% | 1.36% | 0.43% | 2.32% | 3.31% |
| Q3 2025 | 12.79% | 1.77% | 0.47% | 2.47% | 3.34% |
| Q2 2025 | 12.38% | 1.57% | 0.46% | 2.43% | 3.22% |
| Q1 2025 | 12.31% | 1.50% | 0.58% | 3.16% | 3.06% |
| Q4 2024 | 12.18% | 1.12% | 0.26% | 1.42% | 2.94% |
| Q3 2024 | 12.70% | 1.48% | 0.04% | 0.23% | 3.07% |
Swipe the table sideways to see every column.
Branch Network
View all 10 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 |
|---|---|---|---|
| The Security National Bank of Sioux City, Iowa (main office) | Sioux City , IA | 51101 | $555.1M |
| Morningside Branch | Sioux City , IA | 51106 | $169.8M |
| Northwestern Bank Branch | Orange City , IA | 51041 | $155.5M |
| Moville Branch | Moville , IA | 51039 | $89.7M |
| Northside Branch | Sioux City , IA | 51108 | $87.2M |
| Mapleton Branch | Mapleton , IA | 51034 | $75.0M |
| Sheldon Branch | Sheldon , IA | 51201 | $60.7M |
| Akron Branch | Akron , IA | 51001 | $45.4M |
| Lawton Branch | Lawton , IA | 51030 | $38.0M |
| Westside Branch | Sioux City , IA | 51104 | $35.3M |
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 |
|---|---|---|---|
| October 16, 2023 | M&A | Acquired Northwestern Bank merger for the acquired bank | SEC |
| October 16, 2023 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 16, 2023 | Structure Change | Acquired Northwestern Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 1, 2015 | M&A | Acquired SNB Interim Bank, National Association merger for the acquired bank | SEC |
| May 1, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 1, 2015 | Structure Change | Acquired SNB Interim Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 23, 2012 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 21, 2012 | M&A | Acquired First State Bank of Mapleton merger for the acquired bank | SEC |
| April 21, 2012 | Structure Change | Acquired First State Bank of Mapleton Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 26, 2010 | M&A | Acquired The First National Bank of Akron merger for the acquired bank | SEC |
| April 26, 2010 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 26, 2010 | Structure Change | Acquired The First National Bank of Akron 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 12 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 1.0% of deposits in IA, rank 21 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 384 applications, 281 loans originated, $60.3M originated, across 8 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $323K approved, $162K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2022 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 The Security National Bank of Sioux City, Iowa
What are The Security National Bank of Sioux City, Iowa's total assets?
As of the Q2 2026 filing, The Security National Bank of Sioux City, Iowa reported total assets of $1.69 billion in its FFIEC call report.
Where is The Security National Bank of Sioux City, Iowa headquartered?
It is headquartered in Sioux City, IA, United States.
When was The Security National Bank of Sioux City, Iowa founded?
It was established in 1884, per the FDIC institution directory.
Is The Security National Bank of Sioux City, Iowa FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #4506). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Security National Bank of Sioux City, Iowa?
The Security National Bank of Sioux City, Iowa's primary federal regulator is the OCC.
How many branches does The Security National Bank of Sioux City, Iowa operate?
It operates 10 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Security National Bank of Sioux City, Iowa's Texas Ratio?
Its Texas Ratio is 1.38% 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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