Security Bank USA
Total assets
$263.9M
▲ +4.6% YoY
Deposits
$238.8M
▲ +4.2% YoY
Loans
$192.4M
▲ +8.0% YoY
Offices
2
SECURITY ST BANCSHARES BEMIDJI
ROA (annualized)
1.84%
peers 1.24%
ROE (annualized)
20.10%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | Security Bank USA | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.6% | +4.4% | +0.3 pts |
| Deposit growth (YoY) | +4.2% | +4.0% | +0.2 pts |
| Loan growth (YoY) | +8.0% | +5.6% | +2.4 pts |
| ROA | 1.84% | 1.24% | +0.6 pts |
| ROE | 20.1% | 11.9% | +8.2 pts |
ROA ranks in the 82nd percentile of its peer group · Q2 2026
Profile
- Established
- 1910
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- SECURITY ST BANCSHARES BEMIDJI
- Specialization
- Commercial Lending Specialization
- Address
- 1025 Paul Bunyan Dr Nw, Bemidji, MN, 56601
- County
- Beltrami
- Metro area
- Bemidji, MN
- Offices
- 2
- FDIC cert #
- 1604
- RSSD ID
- 950758
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $263.9M | $238.8M | $192.4M | $24.1M | $2.5M | 1.84% | 4.53% | 0.17% |
| Q1 2026 | $275.7M | $249.9M | $187.0M | $25.0M | $1.2M | 1.79% | 4.42% | 0.25% |
| Q4 2025 | $261.6M | $236.5M | $181.4M | $24.2M | $3.9M | 1.54% | 4.41% | 0.33% |
| Q3 2025 | $254.5M | $230.2M | $185.0M | $23.3M | $3.0M | 1.60% | 4.31% | 0.81% |
| Q2 2025 | $252.2M | $229.2M | $178.2M | $22.2M | $1.9M | 1.53% | 4.17% | 0.83% |
| Q1 2025 | $248.8M | $225.3M | $172.5M | $21.5M | $827K | 1.33% | 4.01% | 0.86% |
| Q4 2024 | $247.8M | $225.3M | $172.9M | $21.8M | $3.4M | 1.41% | 3.94% | 0.59% |
| Q3 2024 | $253.9M | $230.2M | $169.6M | $22.7M | $2.6M | 1.40% | 3.87% | 0.09% |
Loan mix (Q2 2026): real estate $143.8M · commercial $31.7M · consumer $16.0M · securities $46.0M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Security Bank USA | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.84% | 1.24% | 82th | |
Return on equity Annualized net income ÷ equity or net worth | 20.1% | 11.9% | 89th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.53% | 3.96% | 79th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.5% | 62.9% | 49th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Security Bank USA | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Security Bank USA | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Security Bank USA | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Security Bank USA | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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