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Prime Security Bank
Karlstad, MN · FDIC Certificate #10971 · Chartered 06/0
Total assets
$154.47M
Total deposits
$131.32M
Total equity
$12.76M
Net loans
$133.36M
Branches (offices)
3
Net income (YTD)
$745.00K
Rank: #3,272 of 4,213 U.S. banks by assets · #131 of 221 in Minnesota. Assets changed 5.1% and deposits 3.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.00% |
| Return on equity | 11.63% |
| Net interest margin (YTD) | 3.77% |
| Equity to assets | 8.26% |
| Tier 1 leverage ratio | 8.71% |
| Uninsured deposits (share of deposits) | 18.3% |
| Noncurrent loans (share of loans) | 0.52% |
| Net charge-offs (share of loans) | 0.35% |
| Loans to deposits | 101.6% |
| Real estate loans (share of loans) | 90.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $120.25M | 90.2% | |
| Commercial & industrial | $8.66M | 6.5% | |
| Consumer / individual | $2.73M | 2.0% | |
| Construction & development | $5.72M | 4.3% | |
| Agricultural | $2.31M | 1.7% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $111.07M | $95.13M | $943.00K | $9.46M |
| Jun 2023 | $133.61M | $113.27M | $1.36M | $10.66M |
| Jun 2024 | $136.83M | $115.72M | $464.00K | $10.76M |
| Jun 2025 | $147.03M | $127.31M | $891.00K | $12.47M |
| Jun 2026 | $154.47M | $131.32M | $745.00K | $12.76M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Minnesota | $131.33M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $131.33M.
Similar-sized banks
Fowler State Bank ($154.50M) · The Bank Of Protection ($154.44M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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