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Security State Bank Of Warroad
Warroad, MN · FDIC Certificate #9773 · Chartered 09/1
Total assets
$138.35M
Total deposits
$119.91M
Total equity
$17.44M
Net loans
$67.56M
Branches (offices)
2
Net income (YTD)
$486.00K
Rank: #3,396 of 4,213 U.S. banks by assets · #142 of 221 in Minnesota. Assets changed -2.3% and deposits -4.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.69% |
| Return on equity | 5.70% |
| Net interest margin (YTD) | 3.68% |
| Equity to assets | 12.60% |
| Tier 1 leverage ratio | 16.41% |
| Uninsured deposits (share of deposits) | 14.6% |
| Noncurrent loans (share of loans) | 4.17% |
| Net charge-offs (share of loans) | 0.07% |
| Loans to deposits | 56.3% |
| Real estate loans (share of loans) | 40.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $27.57M | 40.8% | |
| Commercial & industrial | $18.78M | 27.8% | |
| Consumer / individual | $15.07M | 22.3% | |
| Construction & development | $0 | 0.0% | |
| Agricultural | $7.62M | 11.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $135.31M | $122.12M | $367.00K | $12.40M |
| Jun 2023 | $151.17M | $137.79M | $410.00K | $12.74M |
| Jun 2024 | $146.77M | $131.68M | $470.00K | $14.04M |
| Jun 2025 | $141.56M | $125.41M | $417.00K | $15.38M |
| Jun 2026 | $138.35M | $119.91M | $486.00K | $17.44M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Minnesota | $119.91M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $119.91M.
Similar-sized banks
First National Bank In Pinckneyville ($138.39M) · Community Bank ($138.34M)
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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