Dakota Dunes, SD · Cert 34394 · Security National Corp.
National charter · OCC · 1 affiliate bank · 3 branches (13 in holding)
Q2 2026
Market Position · Sioux Falls, SD-MN · 2026 SOD (annual) · 0.0% share · #22 of 42 inst. · $0.1B of $1127.8B
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 | 1.79% | 1.77% | 1.90% | 1.92% | 1.97% | 1.95% | 2.50% | 2.48% | +55 bps | |
| Return on Equity | 14.22% | 14.27% | 16.03% | 15.60% | 15.48% | 15.18% | 18.92% | 18.45% | +285 bps | |
| Net Interest Margin | 2.06% | 2.05% | 2.22% | 2.35% | 2.43% | 2.53% | 2.78% | 2.86% | +51 bps | |
| Efficiency Ratio | 48.06% | 48.99% | 46.54% | 47.28% | 47.25% | 49.30% | 41.48% | 42.78% | -451 bps | |
| Non-Interest Burden | -0.20% | -0.17% | -0.27% | -0.17% | -0.13% | -0.03% | -0.44% | -0.29% | -12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.97% | 12.78% | 13.08% | 3.29% | 0.35% | -3.14% | 0.94% | 5.11% | +182 bps | |
| Loan Growth (YoY) | 6.22% | 2.32% | 5.87% | 6.72% | 10.65% | 14.61% | 13.48% | 15.39% | +867 bps | |
| Deposit Growth (YoY) | 9.26% | 11.93% | 13.48% | 1.06% | -1.57% | -6.65% | -2.24% | 2.65% | +159 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | 0.00% | 0 bps | |
| Allowance / Loans | 1.66% | 1.63% | 1.59% | 1.53% | 1.50% | 1.42% | 1.40% | 1.32% | -20 bps | |
| Allowance Coverage of NPLs | 2285.0x | 2285.0x | 457.0x | n/a | n/a | 761.7x | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.06% | 12.98% | 13.09% | 13.75% | 14.16% | 13.73% | 13.78% | 14.12% | +37 bps | |
| Total Risk-Based Capital | 14.06% | 12.98% | 13.09% | 13.75% | 14.16% | 13.73% | 13.78% | 14.12% | +37 bps | |
| Equity / Assets | 12.99% | 11.65% | 12.08% | 13.31% | 13.87% | 13.37% | 13.07% | 13.83% | +52 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 73.14% | 71.15% | 71.28% | 78.85% | 82.23% | 87.35% | 82.74% | 88.63% | +978 bps | |
| Liquid Assets / Assets | 3.26% | 2.97% | 2.90% | 3.01% | 3.04% | 2.97% | 5.35% | 2.72% | -29 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 206% | 229% | 218% | n/a | n/a | |