Security Bank USA
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
$263.9MAssets
$194.9MLoans
$238.8MDeposits
$24.1MEquity
Executive Summary
- Strongest standing: return on equity outperforms 83% of banks under $1B in assets in MN (rank 19 of 113).
- Widest gap: equity / assets trails 69% of banks under $1B in assets in MN (rank 78 of 113).
- Overall: at or above the peer median on 6 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $6.5M · efficiency ratio beats 45% 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 | 1.46% | 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 |