Security State Bank of Hibbing
Hibbing, MN · Cert 10175 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Security Finl Services Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
$151.9MAssets
$99.2MLoans
$129.9MDeposits
$14.1MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 80% of banks under $1B in assets operating in a single state (rank 151 of 746).
- Widest gap: net charge-offs / loans trails 95% of banks under $1B in assets operating in a single state (rank 705 of 743).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.06%
Rank 378 of 746
Net Interest Margin
4.28%
Rank 151 of 746
Efficiency Ratio
68.19%
Rank 438 of 746
Equity / Assets
9.25%
Rank 525 of 746
Non-interest income vs. expense
Unfavorable gap of $4.1M · efficiency ratio beats 41% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.06% | 0.72% | 1.06% | 1.45% | Beats 49% | 378 / 746 | | |
| Return on Equity | 11.44% | 6.74% | 10.51% | 13.63% | Beats 59% | 306 / 746 | | |
| Net Interest Margin | 4.28% | 3.17% | 3.68% | 4.16% | Beats 80% | 151 / 746 | | |
| Efficiency Ratio | 68.19% | 55.74% | 64.58% | 75.47% | Beats 41% | 438 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.54% | 0.09% | 0.42% | 1.07% | Beats 16% | 623 / 743 | | |
| Net Charge-Offs / Loans | 0.32% | 0.00% | 0.01% | 0.05% | Beats 5% | 705 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 15.58% | 11.55% | 13.75% | 17.60% | Beats 66% | 251 / 746 | | |
| Total Risk-Based Capital Ratio | 16.83% | 11.71% | 14.33% | 18.43% | Beats 69% | 233 / 746 | | |
| Equity / Assets | 9.25% | 8.90% | 10.51% | 13.06% | Beats 30% | 525 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 76.39% | 61.31% | 78.27% | 90.78% | 46th pctl | 401 / 746 | | |
| Loans / Assets | 65.32% | 53.60% | 66.97% | 76.08% | 46th pctl | 406 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |