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Security State Bank of Oklee

Oklee, MN · Cert 10982

State charter, non-member · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in MN3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in MN (n=111 to 113). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

94

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

42

Q2 2024Q2 2026peer median (50)

Liquidity

10

Q2 2024Q2 2026peer median

Efficiency

90

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Security State Bank of Oklee

Oklee, MN · Cert 10982

State charter, non-member · FDIC · 1 branch

Q2 2026

$48.8MAssets
$20.7MLoans
$40.9MDeposits
$7.6MEquity
Loan mix
80%RE $13.8M8%C&I $1.3M13%Consumer $2.2MQ2 2025Q2 2026
Deposit mix
86%Interest-bearing $35.0M14%Noninterest $5.9MQ2 2025Q2 2026

NIM

4.77%Q2 ’244.82%Q2 ’254.78%Q2 ’26-1%+5%

Non-interest income vs. expense

2.05%Q2 ’241.85%Q2 ’251.94%Q2 ’26-9%-6%

Executive Summary

  • Earnings: ROA of 1.53%, up 12 bps year over year; NIM at 3.07%.
  • Asset quality: problem loans at 0.00% of loans (-1 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 15.84%, up 20 bps from a year ago.
  • Funding: loans stand at 50.66% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.53%+12 bps YoY

Net Interest Margin (YTD, annualized)

3.07%+16 bps YoY

Efficiency Ratio (YTD, annualized)

48.74%-161 bps YoY

Tier 1 Leverage Ratio

15.84%+20 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.41%1.39%1.41%1.70%1.53%+12 bps
Return on Equity8.99%8.73%8.92%10.80%9.75%+75 bps
Net Interest Margin2.92%2.90%2.84%3.11%3.07%+16 bps
Efficiency Ratio50.35%51.51%50.86%45.64%48.74%-161 bps
Non-Interest Burden1.09%1.09%1.05%0.85%1.03%-6 bps
Growth
Asset Growth (YoY)6.16%4.81%4.05%3.15%4.97%-119 bps
Loan Growth (YoY)3.19%9.39%16.94%8.03%6.61%+342 bps
Deposit Growth (YoY)6.20%4.93%3.09%2.90%5.42%-78 bps
Asset Quality
Nonperforming Loans / Loans0.01%0.00%0.00%0.00%0.00%-1 bps
Net Charge-Offs / Loans-0.01%-0.01%0.00%0.00%0.00%+1 bps
Allowance / Loans1.86%1.76%1.60%1.77%1.74%-12 bps
Allowance Coverage of NPLs361.0xn/an/an/an/an/a
Capital
Tier 1 Leverage Ratio15.65%16.09%15.01%15.71%15.84%+20 bps
Total Risk-Based Capital43.51%41.18%39.92%43.08%42.92%-59 bps
Equity / Assets15.99%16.47%15.71%15.73%15.60%-39 bps
Liquidity & Funding
Loans / Deposits50.09%54.26%53.42%49.44%50.66%+57 bps
Liquid Assets / Assets15.18%4.79%6.36%10.14%20.56%+538 bps
CRE / Total Capitaln/a22.56%24.62%25.61%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Security State Bank of Oklee

Oklee, MN · Cert 10982 · Peer group: banks under $1B in assets in MN (n=111-113)

State charter, non-member · FDIC · 1 branch

Q2 2026

$48.8MAssets
$20.7MLoans
$40.9MDeposits
$7.6MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in MN (rank 12 of 111).
  • Widest gap: net interest margin trails 84% of banks under $1B in assets in MN (rank 95 of 113).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.50%

Rank 26 of 113

Net Interest Margin

3.07%

Rank 95 of 113

Efficiency Ratio

48.74%

Rank 12 of 113

Equity / Assets

15.60%

Rank 10 of 113

Non-interest income vs. expense

$436K$932KINCOMEEXPENSE
Unfavorable gap of $496K · efficiency ratio beats 90% of banks under $1B in assets in MN
Bank 48.74%Peer median 61.5%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.50%0.87%1.20%1.41%Beats 77%26 / 113
Return on Equity9.62%8.92%11.27%13.99%Beats 32%77 / 113
Net Interest Margin3.07%3.42%3.88%4.31%Beats 16%95 / 113
Efficiency Ratio48.74%54.13%61.48%69.86%Beats 90%12 / 113
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.58%1.82%Beats 100%12 / 111
Net Charge-Offs / Loans0.00%n/a0.00%0.04%Beats 100%36 / 111
Capital
Tier 1 Capital Ratio41.66%11.53%13.31%18.13%Beats 95%6 / 113
Total Risk-Based Capital Ratio42.92%12.12%14.43%19.39%Beats 95%6 / 113
Equity / Assets15.60%8.52%10.10%11.94%Beats 91%10 / 113
Liquidity & Funding
Loans / Deposits50.66%62.08%77.32%88.06%11th pctl99 / 111
Loans / Assets42.50%55.01%66.35%75.50%12th pctl99 / 113
Brokered Deposits / Depositsn/aNot reported for this institution