Security National Bank of South Dakota
Dakota Dunes, SD · Cert 34394 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Security National Corp.
National charter · OCC · 1 affiliate bank · 3 branches (13 in holding)
Q2 2026
$251.5MAssets
$172.6MLoans
$194.7MDeposits
$34.8MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 105 of 743).
- Widest gap: net interest margin trails 87% of banks under $1B in assets operating in a single state (rank 649 of 746).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
2.44%
Rank 19 of 746
Net Interest Margin
2.86%
Rank 649 of 746
Efficiency Ratio
42.78%
Rank 39 of 746
Equity / Assets
13.83%
Rank 150 of 746
Non-interest income vs. expense
Favorable gap of $0.7M · efficiency ratio beats 95% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.44% | 0.72% | 1.06% | 1.45% | Beats 97% | 19 / 746 | | |
| Return on Equity | 17.63% | 6.74% | 10.51% | 13.63% | Beats 93% | 53 / 746 | | |
| Net Interest Margin | 2.86% | 3.17% | 3.68% | 4.16% | Beats 13% | 649 / 746 | | |
| Efficiency Ratio | 42.78% | 55.74% | 64.58% | 75.47% | Beats 95% | 39 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.42% | 1.07% | Beats 100% | 105 / 743 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 68% | 242 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 14.12% | 11.55% | 13.75% | 17.60% | Beats 53% | 350 / 746 | | |
| Total Risk-Based Capital Ratio | 14.12% | 11.71% | 14.33% | 18.43% | Beats 47% | 393 / 746 | | |
| Equity / Assets | 13.83% | 8.90% | 10.51% | 13.06% | Beats 80% | 150 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 88.63% | 61.31% | 78.27% | 90.78% | 71st pctl | 217 / 746 | | |
| Loans / Assets | 68.64% | 53.60% | 66.97% | 76.08% | 54th pctl | 345 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |