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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Laurel, NE · FDIC certificate #5424
SECURITY BANK is an FDIC-insured institution based in Laurel, NE (FDIC certificate #5424). In its Q3 2026 Call Report it reported total assets of $309M, total deposits of $269M and net loans of $223M. Its primary federal regulator is FED.
Plain-language readout
SECURITY BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $316M in Q1 2026 and were lowest at $309M in Q3 2026.
Total deposits were highest at $278M in Q1 2026 and lowest at $269M in Q3 2026.
Over the whole period total assets fell 2.2%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $309M | $269M | $223M | 1.49% | 12.40% | 4.23% |
| Q2 2026 | $310M | $270M | $226M | 1.34% | 11.34% | 4.12% |
| Q1 2026 | $316M | $278M | $226M | 1.02% | 8.91% | 3.97% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $3.9M | $11.7M | -$7.8M | -67.0% |
| Federal funds sold | $5.1M | $2.1M | +$3.0M | +138.9% |
| 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) | $55.7M | $56.9M | -$1.1M | -2.0% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $225.6M | $225.7M | -$101K | -0.0% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $5.9M | $5.9M | -$62K | -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) | $1.9M | $2.0M | -$62K | -3.1% |
| All other assets | $11.8M | $11.7M | +$157K | +1.3% |
| Total assets | $309.9M | $316.0M | -$6.1M | -1.9% |
| Liabilities | ||||
| Total deposits | $269.7M | $277.9M | -$8.2M | -2.9% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $1.4M | $1.2M | +$244K | +20.3% |
| Total liabilities | $271.2M | $279.1M | -$7.9M | -2.8% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $100K | $100K | $0K | 0.0% |
| Surplus | $15.7M | $15.7M | $0K | 0.0% |
| Retained earnings | $27.4M | $26.1M | +$1.3M | +5.0% |
| Accumulated other comprehensive income | -$4.5M | -$5.1M | +$584K | +11.5% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $38.8M | $36.9M | +$1.9M | +5.1% |
| Credit and capital | ||||
| Gross nonperforming assets | $1.4M | $1.6M | -$133K | -8.4% |
| Adjusted nonperforming assets | $1.4M | $1.6M | -$133K | -8.4% |
| Tangible equity plus allowance | $39.4M | $37.4M | +$2.0M | +5.3% |
| Texas ratio (gross) | 3.67% | 4.22% | -0.55 pts | See points |
| Texas ratio (adjusted) | 3.67% | 4.22% | -0.55 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 3.67% | 4.22% | -0.55 pts | See points |
| Tier 1 capital to risk-weighted assets | 15.81% | 15.31% | +0.51 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 15.81% | 15.31% | +0.51 pts | See points |
| Tier 2 capital to risk-weighted assets | 0.97% | 0.95% | +0.03 pts | See points |
| Total risk-based capital to risk-weighted assets | 16.79% | 16.25% | +0.53 pts | See points |
| Tier 1 leverage (approximate) | 13.28% | 12.67% | +0.61 pts | See points |
| Construction and land loans to total capital | 12.13% | 14.57% | -2.43 pts | See points |
| Commercial real estate to total capital | 32.83% | 35.85% | -3.02 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -8.90% | -10.35% | +1.46 pts | See points |
| Liquidity | ||||
| Core deposits | $249.0M | $248.2M | +$841K | +0.3% |
| Non-core funding | $20.7M | $29.7M | -$9.0M | -30.4% |
| Loans to core deposits | 91.60% | 91.94% | -0.33 pts | See points |
| Loans to deposits | 84.58% | 82.11% | +2.47 pts | See points |
| Brokered deposits share of deposits | 0.00% | 3.60% | -3.60 pts | See points |
| Pledged securities share of securities | 43.56% | 34.96% | +8.60 pts | See points |
| Loans pledged, share of loans | 53.41% | 51.98% | +1.43 pts | See points |
| Volatile liabilities | $20.7M | $29.7M | -$9.0M | -30.4% |
| Earnings | ||||
| Earnings before provision, year to date | $2.5M | $1.1M | +$1.4M | +125.2% |
| Earnings before provision, single quarter | $1.4M | $1.1M | +$279K | +25.2% |
| Provision for credit losses, year to date | $150K | $75K | +$75K | +100.0% |
| Yield and cost | ||||
| Yield on loans and leases | 6.80% | 6.68% | +0.12 pts | See points |
| Yield on interest-bearing balances due from banks | 7.22% | 3.30% | +3.92 pts | See points |
| Total interest income to average assets | 5.58% | 5.36% | +0.23 pts | See points |
| Cost of interest-bearing transaction accounts | 1.26% | 1.22% | +0.04 pts | See points |
| Cost of savings and money market deposits | 2.08% | 2.01% | +0.07 pts | See points |
| Cost of time deposits | 3.87% | 3.96% | -0.09 pts | See points |
| Total interest expense to average assets | 1.68% | 1.74% | -0.05 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 | $309M | $269M | $223M | 1.49% | 12.40% | 4.23% |
| 2026-06-30 | $310M | $270M | $226M | 1.34% | 11.34% | 4.12% |
| 2026-03-31 | $316M | $278M | $226M | 1.02% | 8.91% | 3.97% |
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 |
|---|---|---|---|---|
| NE | $281.3M | 0.30% | 65 | Continuing · +0.01 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.