Security Bank Minnesota: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Operating from Albert Lea, MN, Security Bank Minnesota serves its local market as an FDIC-insured commercial bank. As of Q2 2026, the bank held approximately $145M in total assets and $125M in deposits. The bank posts a strong 1.25% ROA and 13.13% ROE. Regulatory capital is solid, 13.15% CET1 and 14.40% total risk-based capital ratio. Credit conditions bear watching: 2.92% NPL ratio with a 19.22% Texas Ratio (elevated but below the 100% concern level). It operates 3 branches, primarily in Minnesota.
As of June 30, 2026, Security Bank Minnesota reported a CET1 capital ratio of 13.15%, a return on assets of 1.25%, a nonperforming-loan ratio of 2.92%, a Texas ratio of 19.22%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 437 Bridge Ave, Albert Lea, MN 56007
- County
- Freeborn
- Metro Area
- Albert Lea, 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
- January 1, 1906
- Former names
- Security State Bank of Albert Lea (1946-1989)
- Offices
- 3 domestic
- Employees (FTE)
- 24
- Domestic deposits
- $125.0M
- Allowance for credit losses
- $1.8M
- Net charge-offs (YTD)
- -$11K
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 10984
- Fed RSSD
- 295057
- Website
- http://www.securitybankmn.com →
- Parent Holding Company
- LAKE BANK SHARES, INC. (RSSD 1141919)
- Ultimate Parent
- RSSD 2728438
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Security Bank Minnesota terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Security Bank Minnesota, freeSecurity Bank Minnesota rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.15% | 1.25% | 2.92% | 19.22% | 4.52% |
| Q1 2026 | 13.07% | 1.14% | 3.13% | 20.77% | 4.49% |
| Q4 2025 | 13.28% | 0.09% | 1.85% | 12.30% | 4.47% |
| Q3 2025 | 13.84% | 1.16% | 1.81% | 13.66% | 4.64% |
| Q2 2025 | 13.03% | 0.70% | 1.85% | 12.53% | 4.42% |
| Q1 2025 | 12.43% | 0.92% | 1.99% | 15.73% | 4.41% |
| Q4 2024 | 11.90% | 0.01% | 2.78% | 20.77% | 4.23% |
| Q3 2024 | 11.91% | 0.32% | 3.04% | 22.42% | 4.03% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 3 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Security Bank Minnesota (main office) | Albert Lea , MN | 56007 | $102.3M |
| Alden Branch | Alden , MN | 56009 | $15.1M |
| Security Bank Minnesota - Emmons | Emmons , MN | 56029 | $7.7M |
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 |
|---|---|---|---|
| July 14, 2003 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 14, 2003 | Structure Change | Acquired First State Bank of Emmons 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
What the public regulatory sources show for Security Bank Minnesota, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in MN, rank 169 of 279 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Security Bank Minnesota
What are Security Bank Minnesota's total assets?
As of the Q2 2026 filing, Security Bank Minnesota reported total assets of $145.1 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Security Bank Minnesota headquartered?
Security Bank Minnesota is headquartered in Albert Lea, MN, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Security Bank Minnesota founded?
Security Bank Minnesota was established in 1906, per the FDIC institution directory.
Is Security Bank Minnesota FDIC-insured?
Yes. Security Bank Minnesota is an FDIC-insured commercial bank (FDIC Certificate #10984). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Security Bank Minnesota?
Security Bank Minnesota's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Security Bank Minnesota's CET1 capital ratio?
Security Bank Minnesota reported a Common Equity Tier 1 (CET1) capital ratio of 13.15% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Security Bank Minnesota operate?
Security Bank Minnesota 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 Bank Minnesota's Texas Ratio?
Security Bank Minnesota's Texas Ratio is 19.22% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Security Bank Minnesota previously called?
The charter now named Security Bank Minnesota has also operated as Security State Bank of Albert Lea (1946-1989), per FDIC structure-change records.
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