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Security State Bank
Radcliffe, IA · FDIC Certificate #18448 · Chartered 10/1
Total assets
$119.05M
Total deposits
$109.01M
Total equity
$9.79M
Net loans
$53.85M
Branches (offices)
4
Net income (YTD)
$632.00K
Rank: #3,538 of 4,213 U.S. banks by assets · #185 of 225 in Iowa. Assets changed -3.1% and deposits -3.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.07% |
| Return on equity | 12.98% |
| Net interest margin (YTD) | 2.91% |
| Equity to assets | 8.22% |
| Tier 1 leverage ratio | 8.27% |
| Uninsured deposits (share of deposits) | 21.6% |
| Noncurrent loans (share of loans) | 2.88% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 49.4% |
| Real estate loans (share of loans) | 43.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $23.15M | 43.0% | |
| Commercial & industrial | $12.53M | 23.3% | |
| Consumer / individual | $8.06M | 15.0% | |
| Construction & development | $306.00K | 0.6% | |
| Agricultural | $10.69M | 19.9% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $125.94M | $119.05M | $52.00K | $6.85M |
| Jun 2023 | $105.36M | $94.00M | $144.00K | $6.56M |
| Jun 2024 | $112.61M | $104.68M | $2.00K | $7.70M |
| Jun 2025 | $122.81M | $113.22M | $341.00K | $9.30M |
| Jun 2026 | $119.05M | $109.01M | $632.00K | $9.79M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Iowa | $109.01M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $109.01M.
Similar-sized banks
Community Bank ($119.08M) · Mcintosh County Bank ($118.71M)
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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