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
Unfavorable gap of $496K · efficiency ratio beats 90% of banks under $1B in assets in MN | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.50% | 0.87% | 1.20% | 1.41% | Beats 77% | 26 / 113 | | |
| Return on Equity | 9.62% | 8.92% | 11.27% | 13.99% | Beats 32% | 77 / 113 | | |
| Net Interest Margin | 3.07% | 3.42% | 3.88% | 4.31% | Beats 16% | 95 / 113 | | |
| Efficiency Ratio | 48.74% | 54.13% | 61.48% | 69.86% | Beats 90% | 12 / 113 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.58% | 1.82% | Beats 100% | 12 / 111 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.04% | Beats 100% | 36 / 111 | | |
| Capital |
| Tier 1 Capital Ratio | 41.66% | 11.53% | 13.31% | 18.13% | Beats 95% | 6 / 113 | | |
| Total Risk-Based Capital Ratio | 42.92% | 12.12% | 14.43% | 19.39% | Beats 95% | 6 / 113 | | |
| Equity / Assets | 15.60% | 8.52% | 10.10% | 11.94% | Beats 91% | 10 / 113 | | |
| Liquidity & Funding |
| Loans / Deposits | 50.66% | 62.08% | 77.32% | 88.06% | 11th pctl | 99 / 111 | | |
| Loans / Assets | 42.50% | 55.01% | 66.35% | 75.50% | 12th pctl | 99 / 113 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |