Bemidji, MN · Cert 1604 · Security St Bancshares Bemidji
State charter, non-member · FDIC · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
44
Asset Quality
50
Profitability
77
Liquidity
82
Efficiency
45
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.
Bemidji, MN · Cert 1604 · Security St Bancshares Bemidji
State charter, non-member · FDIC · 2 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.10% | 1.11% | 1.05% | 1.21% | 1.26% | 1.22% | 1.46% | 1.45% | +24 bps | |
| Return on Equity | 12.58% | 12.69% | 12.04% | 13.80% | 14.26% | 13.64% | 15.90% | 15.79% | +199 bps | |
| Net Interest Margin | 3.64% | 3.63% | 3.84% | 3.99% | 4.03% | 4.08% | 4.23% | 4.28% | +29 bps | |
| Efficiency Ratio | 67.70% | 70.09% | 68.94% | 66.66% | 65.76% | 67.55% | 61.59% | 62.52% | -413 bps | |
| Non-Interest Burden | 2.19% | 2.22% | 2.49% | 2.44% | 2.42% | 2.54% | 2.37% | 2.42% | -2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.60% | 4.09% | 2.41% | 3.90% | 0.24% | 5.55% | 10.81% | 4.62% | +72 bps | |
| Loan Growth (YoY) | 3.29% | 2.73% | 4.80% | 5.53% | 8.82% | 4.91% | 8.34% | 7.90% | +237 bps | |
| Deposit Growth (YoY) | 5.78% | 4.04% | 1.93% | 3.75% | -0.02% | 4.96% | 10.90% | 4.18% | +43 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.14% | 0.83% | 1.18% | 1.16% | 1.10% | 0.47% | 0.37% | 0.22% | -94 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.07% | 0.03% | 0.02% | 0.02% | -0.01% | 0.00% | 0.05% | +2 bps | |
| Allowance / Loans | 1.52% | 1.42% | 1.42% | 1.37% | 1.33% | 1.41% | 1.37% | 1.28% | -8 bps | |
| Allowance Coverage of NPLs | 10.9x | 1.7x | 1.2x | 1.2x | 1.2x | 3.0x | 3.7x | 5.7x | +4.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.56% | 9.30% | 9.38% | 9.48% | 9.56% | 9.62% | 9.74% | 9.36% | -13 bps | |
| Total Risk-Based Capital | 15.36% | 15.17% | 14.93% | 14.74% | 14.73% | 15.33% | 15.71% | 14.72% | -2 bps | |
| Equity / Assets | 8.95% | 8.79% | 8.65% | 8.79% | 9.16% | 9.27% | 9.06% | 9.14% | +35 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 74.82% | 77.84% | 77.66% | 78.79% | 81.43% | 77.79% | 75.86% | 81.60% | +281 bps | |
| Liquid Assets / Assets | 13.19% | 8.69% | 8.19% | 5.67% | 3.43% | 9.83% | 11.66% | 3.66% | -201 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 253% | 253% | 246% | n/a | n/a | |
Bemidji, MN · Cert 1604 · Peer group: banks under $1B in assets in MN (n=111-113) · Security St Bancshares Bemidji
State charter, non-member · FDIC · 2 branches
Q2 2026
Return on Assets
1.46%
Rank 28 of 113
Net Interest Margin
4.28%
Rank 32 of 113
Efficiency Ratio
62.52%
Rank 63 of 113
Equity / Assets
9.14%
Rank 78 of 113
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.46% | 0.87% | 1.20% | 1.41% | Beats 75% | 28 / 113 | ||
| Return on Equity | 16.01% | 8.92% | 11.27% | 13.99% | Beats 83% | 19 / 113 | ||
| Net Interest Margin | 4.28% | 3.42% | 3.88% | 4.31% | Beats 72% | 32 / 113 | ||
| Efficiency Ratio | 62.52% | 54.13% | 61.48% | 69.86% | Beats 45% | 63 / 113 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.22% | 0.09% | 0.58% | 1.82% | Beats 68% | 37 / 111 | ||
| Net Charge-Offs / Loans | 0.02% | n/a | 0.00% | 0.04% | Beats 32% | 77 / 111 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.47% | 11.53% | 13.31% | 18.13% | Beats 51% | 55 / 113 | ||
| Total Risk-Based Capital Ratio | 14.72% | 12.12% | 14.43% | 19.39% | Beats 51% | 55 / 113 | ||
| Equity / Assets | 9.14% | 8.52% | 10.10% | 11.94% | Beats 31% | 78 / 113 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 81.60% | 62.08% | 77.32% | 88.06% | 60th pctl | 44 / 111 | ||
| Loans / Assets | 73.86% | 55.01% | 66.35% | 75.50% | 65th pctl | 39 / 113 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||