Security State Bank of Marine

Marine on Saint Croix, MN · Cert 10163 · Peer group: banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (n=53) · Marine Bancshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$232.5MAssets

$179.4MLoans

$206.1MDeposits

$25.1MEquity

Executive Summary

Strongest standing: return on assets outperforms 96% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (rank 2 of 53).
Widest gap: net charge-offs / loans trails 62% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (rank 34 of 53).
Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

2.05%

Rank 2 of 53

Net Interest Margin

4.35%

Rank 8 of 53

Efficiency Ratio

42.50%

Rank 3 of 53

Equity / Assets

10.79%

Rank 13 of 53

Non-interest income vs. expense

Unfavorable gap of $3.9M · efficiency ratio beats 96% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area

Metric	Your Bank	Peer 25th	Peer Median	Peer 75th	Standing	Rank
Earnings
Return on Assets	2.05%	0.73%	1.11%	1.30%	Beats 96%	2 / 53
Return on Equity	18.95%	7.88%	12.20%	14.12%	Beats 94%	3 / 53
Net Interest Margin	4.35%	3.39%	3.77%	4.09%	Beats 85%	8 / 53
Efficiency Ratio	42.50%	56.05%	65.05%	71.57%	Beats 96%	3 / 53
Asset Quality
Nonperforming Loans / Loans	0.13%	0.14%	0.52%	1.20%	Beats 77%	13 / 53
Net Charge-Offs / Loans	0.02%	0.00%	0.01%	0.08%	Beats 38%	34 / 53
Capital
Tier 1 Capital Ratio	15.08%	10.73%	12.98%	15.08%	Beats 74%	14 / 53
Total Risk-Based Capital Ratio	16.34%	11.49%	13.79%	16.34%	Beats 74%	14 / 53
Equity / Assets	10.79%	8.08%	9.25%	10.72%	Beats 75%	13 / 53
Liquidity & Funding
Loans / Deposits	87.06%	72.13%	82.29%	93.80%	57th pctl	23 / 53
Loans / Assets	77.17%	63.64%	71.80%	79.37%	70th pctl	16 / 53
Brokered Deposits / Deposits	n/a	Not reported for this institution