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The Security State Bank
Emery, SD · FDIC Certificate #15749 · Chartered 01/0
Total assets
$64.78M
Total deposits
$52.17M
Total equity
$12.26M
Net loans
$16.75M
Branches (offices)
2
Net income (YTD)
$623.00K
Rank: #3,939 of 4,213 U.S. banks by assets · #48 of 56 in South Dakota. Assets changed 5.4% and deposits 4.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.99% |
| Return on equity | 10.41% |
| Net interest margin (YTD) | 4.32% |
| Equity to assets | 18.93% |
| Tier 1 leverage ratio | 19.51% |
| Uninsured deposits (share of deposits) | 23.7% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 32.1% |
| Real estate loans (share of loans) | 17.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $2.94M | 17.5% | |
| Commercial & industrial | $3.77M | 22.5% | |
| Consumer / individual | $1.18M | 7.1% | |
| Construction & development | $0 | 0.0% | |
| Agricultural | $9.04M | 54.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $66.83M | $59.13M | $245.00K | $7.57M |
| Jun 2023 | $66.66M | $57.75M | $658.00K | $8.50M |
| Jun 2024 | $60.19M | $49.98M | $565.00K | $9.87M |
| Jun 2025 | $61.48M | $50.07M | $680.00K | $11.03M |
| Jun 2026 | $64.78M | $52.17M | $623.00K | $12.26M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| South Dakota | $52.17M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $52.17M.
Similar-sized banks
Stanton State Bank ($64.80M) · Grand Timber Bank ($64.55M)
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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