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Security State Bank, The

Emery, SD · Cert 15749 · Emery Security Bcorp Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$64.8MAssets
$16.9MLoans
$52.2MDeposits
$12.3MEquity
Loan mix
37%RE $3.2M49%C&I $4.3M14%Consumer $1.2MQ3 2024Q2 2026
Deposit mix
70%Interest-bearing $36.6M30%Noninterest $15.6MQ3 2024Q2 2026

Market Position · Sioux Falls, SD-MN · 2026 SOD (annual) · 0.0% share · #40 of 42 inst. · $0.0B of $1127.8B

30.0% Hanson
9.7% McCook

Executive Summary

  • Earnings: ROA of 1.97%, down 37 bps year over year; NIM at 4.15%.
  • Asset quality: problem loans at 0.00% of loans (-2 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 19.51%, up 104 bps from a year ago.
  • Funding: loans stand at 32.44% of deposits as of Q2 2026.

Return on Assets (quarter, annualized)

1.97%-37 bps YoY

Net Interest Margin (quarter, annualized)

4.15%-38 bps YoY

Efficiency Ratio (quarter, annualized)

36.13%+644 bps YoY

Tier 1 Leverage Ratio

19.51%+104 bps YoY

NIM

5.25%Q2 ’245.46%Q2 ’255.06%Q2 ’26+6%-8%

Non-interest income vs. expense

1.48%Q2 ’241.35%Q2 ’251.51%Q2 ’26-12%+11%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.75%1.63%2.27%2.33%1.70%2.58%2.03%1.97%-37 bps
Return on Equity10.32%9.21%12.55%12.92%9.25%13.54%10.55%10.27%-265 bps
Net Interest Margin4.59%4.57%4.55%4.53%4.60%4.48%4.28%4.15%-38 bps
Efficiency Ratio32.64%69.02%33.83%29.69%34.50%46.07%36.47%36.13%+644 bps
Non-Interest Burden1.48%3.12%1.52%1.33%1.47%2.03%1.55%1.48%+15 bps
Growth
Asset Growth (YoY)-1.75%-2.15%0.21%2.14%2.17%5.49%5.36%5.38%+324 bps
Loan Growth (YoY)11.36%19.79%7.85%7.85%8.99%13.99%9.24%-7.91%-1,576 bps
Deposit Growth (YoY)-4.97%-4.67%-2.03%0.17%0.35%3.69%3.71%4.20%+402 bps
Asset Quality
Nonperforming Loans / Loans0.02%0.00%0.00%0.02%0.00%0.00%0.00%0.00%-2 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.02%0.99%1.00%0.94%0.94%0.87%0.92%1.02%+8 bps
Allowance Coverage of NPLs43.3xn/an/a43.3xn/an/an/an/an/a
Capital
Tier 1 Leverage Ratio17.47%17.83%18.31%18.47%18.82%18.97%19.55%19.51%+104 bps
Total Risk-Based Capital41.76%38.52%39.74%38.82%39.84%39.61%41.66%43.97%+516 bps
Equity / Assets17.43%17.92%18.17%17.93%18.90%19.13%19.37%18.93%+99 bps
Liquidity & Funding
Loans / Deposits35.49%37.02%36.14%36.71%38.54%40.70%38.07%32.44%-427 bps
Liquid Assets / Assets53.07%44.13%42.83%46.14%46.45%44.61%45.69%50.53%+439 bps
CRE / Total Capitaln/an/an/an/a2.23%2.12%2.03%n/an/a