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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Sumner, IA · FDIC certificate #18384
NORTHEAST SECURITY BANK is an FDIC-insured institution based in Sumner, IA (FDIC certificate #18384). In its Q3 2026 Call Report it reported total assets of $456M, total deposits of $366M and net loans of $271M. Its primary federal regulator is FDIC.
Plain-language readout
NORTHEAST SECURITY BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $462M in Q2 2026 and were lowest at $443M in Q1 2026.
Total deposits were highest at $379M in Q2 2026 and lowest at $354M in Q1 2026.
Over the whole period total assets rose 2.8%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $456M | $366M | $271M | 1.29% | 11.56% | 3.22% |
| Q2 2026 | $462M | $379M | $268M | 1.22% | 10.86% | 3.20% |
| Q1 2026 | $443M | $354M | $269M | 1.23% | 10.92% | 3.23% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $21.9M | $17.1M | +$4.8M | +28.4% |
| Federal funds sold | $10.0M | $0K | +$10.0M | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $130.3M | $125.8M | +$4.5M | +3.6% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $194K | $0K | +$194K | n/a |
| Net loans and leases (after allowance) | $267.7M | $268.8M | -$1.2M | -0.4% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $5.2M | $5.2M | -$54K | -1.0% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $9.3M | $9.3M | -$2K | -0.0% |
| All other assets | $17.4M | $17.2M | +$195K | +1.1% |
| Total assets | $461.9M | $443.3M | +$18.6M | +4.2% |
| Liabilities | ||||
| Total deposits | $379.1M | $353.9M | +$25.1M | +7.1% |
| Federal funds purchased | $0K | $1.9M | -$1.9M | -100.0% |
| Securities sold under agreements to repurchase | $9.1M | $8.8M | +$298K | +3.4% |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $19.4M | $25.4M | -$6.0M | -23.7% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $3.4M | $3.4M | -$5K | -0.1% |
| Total liabilities | $410.9M | $393.3M | +$17.6M | +4.5% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $1.2M | $1.2M | $0K | 0.0% |
| Surplus | $21.7M | $21.7M | $0K | 0.0% |
| Retained earnings | $33.6M | $32.5M | +$1.1M | +3.3% |
| Accumulated other comprehensive income | -$5.5M | -$5.5M | -$13K | -0.2% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $51.0M | $50.0M | +$1.1M | +2.1% |
| Credit and capital | ||||
| Gross nonperforming assets | $0K | $0K | $0K | n/a |
| Adjusted nonperforming assets | $0K | $0K | $0K | n/a |
| Tangible equity plus allowance | $45.8M | $44.6M | +$1.1M | +2.5% |
| Texas ratio (gross) | 0.00% | 0.00% | 0.00 pts | See points |
| Texas ratio (adjusted) | 0.00% | 0.00% | 0.00 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 0.00% | 0.00% | 0.00 pts | See points |
| Tier 1 capital to risk-weighted assets | 15.42% | 14.95% | +0.47 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 15.42% | 14.95% | +0.47 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.25% | 1.25% | +0.00 pts | See points |
| Total risk-based capital to risk-weighted assets | 16.67% | 16.20% | +0.47 pts | See points |
| Tier 1 leverage (approximate) | 10.77% | 10.68% | +0.09 pts | See points |
| Construction and land loans to total capital | 0.00% | 0.31% | -0.31 pts | See points |
| Commercial real estate to total capital | 46.94% | 47.12% | -0.18 pts | See points |
| Dividend payout, year to date | 67.26% | 112.57% | -45.31 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -15.30% | -15.61% | +0.31 pts | See points |
| Liquidity | ||||
| Core deposits | $352.8M | $328.5M | +$24.4M | +7.4% |
| Non-core funding | $54.7M | $61.5M | -$6.8M | -11.1% |
| Loans to core deposits | 77.00% | 83.05% | -6.05 pts | See points |
| Loans to deposits | 71.67% | 77.08% | -5.40 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 58.99% | 48.33% | +10.66 pts | See points |
| Loans pledged, share of loans | 47.30% | 47.63% | -0.32 pts | See points |
| Volatile liabilities | $55.4M | $63.0M | -$7.5M | -12.0% |
| Earnings | ||||
| Earnings before provision, year to date | $3.7M | $1.9M | +$1.8M | +94.6% |
| Earnings before provision, single quarter | $1.8M | $1.9M | -$102K | -5.4% |
| Provision for credit losses, year to date | $55K | $0K | +$55K | n/a |
| Yield and cost | ||||
| Yield on loans and leases | 5.87% | 5.78% | +0.09 pts | See points |
| Yield on interest-bearing balances due from banks | 3.53% | 3.52% | +0.01 pts | See points |
| Total interest income to average assets | 4.44% | 4.39% | +0.05 pts | See points |
| Cost of interest-bearing transaction accounts | 1.91% | 1.61% | +0.31 pts | See points |
| Cost of savings and money market deposits | 1.10% | 1.03% | +0.07 pts | See points |
| Cost of time deposits | 3.47% | 3.44% | +0.03 pts | See points |
| Total interest expense to average assets | 1.53% | 1.45% | +0.08 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $456M | $366M | $271M | 1.29% | 11.56% | 3.22% |
| 2026-06-30 | $462M | $379M | $268M | 1.22% | 10.86% | 3.20% |
| 2026-03-31 | $443M | $354M | $269M | 1.23% | 10.92% | 3.23% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| IA | $343.1M | 0.27% | 81 | Continuing · -0.02 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.