Security State Bank of Aitkin
Aitkin, MN · Cert 16656 · Peer group: banks under $1B in assets in MN (n=111-113) · Security St Agency Aitkin Inc.
State charter, non-member · FDIC · 1 affiliate bank · 4 branches (6 in holding)
Q2 2026
$114.5MAssets
$57.1MLoans
$106.7MDeposits
$6.3MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in MN (rank 36 of 111).
- Widest gap: equity / assets trails 98% of banks under $1B in assets in MN (rank 111 of 113).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.73%
Rank 94 of 113
Net Interest Margin
3.71%
Rank 72 of 113
Efficiency Ratio
75.50%
Rank 101 of 113
Equity / Assets
5.50%
Rank 111 of 113
Non-interest income vs. expense
Unfavorable gap of $3.1M · efficiency ratio beats 12% of banks under $1B in assets in MN | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.73% | 0.87% | 1.20% | 1.41% | Beats 17% | 94 / 113 | |
| Return on Equity | 13.18% | 8.92% | 11.27% | 13.99% | Beats 67% | 37 / 113 | |
| Net Interest Margin | 3.71% | 3.42% | 3.88% | 4.31% | Beats 36% | 72 / 113 | |
| Efficiency Ratio | 75.50% | 54.13% | 61.48% | 69.86% | Beats 12% | 101 / 113 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.24% | 0.09% | 0.58% | 1.82% | Beats 18% | 92 / 111 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.04% | Beats 100% | 36 / 111 | |
| Capital |
| Tier 1 Capital Ratio | 10.79% | 11.53% | 13.31% | 18.13% | Beats 15% | 96 / 113 | |
| Total Risk-Based Capital Ratio | 10.79% | 12.12% | 14.43% | 19.39% | Beats 12% | 99 / 113 | |
| Equity / Assets | 5.50% | 8.52% | 10.10% | 11.94% | Beats 2% | 111 / 113 | |
| Liquidity & Funding |
| Loans / Deposits | 53.53% | 62.08% | 77.32% | 88.06% | 13th pctl | 97 / 111 | |
| Loans / Assets | 49.89% | 55.01% | 66.35% | 75.50% | 17th pctl | 94 / 113 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |