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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Albert Lea, MN · FDIC certificate #10984
SECURITY BANK MINNESOTA is an FDIC-insured institution based in Albert Lea, MN (FDIC certificate #10984). In its Q3 2026 Call Report it reported total assets of $141M, total deposits of $121M and net loans of $102M. Its primary federal regulator is FDIC.
Plain-language readout
SECURITY BANK MINNESOTA has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $152M in Q1 2026 and were lowest at $141M in Q3 2026.
Total deposits were highest at $129M in Q1 2026 and lowest at $121M in Q3 2026.
Over the whole period total assets fell 7.5%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $141M | $121M | $102M | 1.70% | 16.81% | 4.87% |
| Q2 2026 | $145M | $125M | $106M | 1.21% | 12.32% | 4.64% |
| Q1 2026 | $152M | $129M | $104M | 1.14% | 11.68% | 4.55% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $7.1M | $13.6M | -$6.5M | -47.7% |
| Federal funds sold | $2.3M | $1.2M | +$1.1M | +89.1% |
| 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) | $27.2M | $31.3M | -$4.1M | -13.1% |
| 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) | $106.3M | $103.9M | +$2.5M | +2.4% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $643K | $645K | -$2K | -0.3% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $5K | $5K | $0K | 0.0% |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $1.4M | $1.6M | -$109K | -7.0% |
| Total assets | $145.1M | $152.2M | -$7.1M | -4.7% |
| Liabilities | ||||
| Total deposits | $125.0M | $128.5M | -$3.5M | -2.7% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $4.4M | $8.6M | -$4.2M | -48.6% |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $64K | $64K | $0K | 0.0% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $902K | $825K | +$77K | +9.3% |
| Total liabilities | $130.4M | $138.0M | -$7.6M | -5.5% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $100K | $100K | $0K | 0.0% |
| Surplus | $11.5M | $11.5M | $0K | 0.0% |
| Retained earnings | $3.2M | $2.8M | +$473K | +17.2% |
| Accumulated other comprehensive income | -$127K | -$74K | -$53K | -71.6% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $14.6M | $14.2M | +$420K | +3.0% |
| Credit and capital | ||||
| Gross nonperforming assets | $2.5M | $2.0M | +$530K | +27.2% |
| Adjusted nonperforming assets | $2.5M | $2.0M | +$530K | +27.2% |
| Tangible equity plus allowance | $16.4M | $15.9M | +$527K | +3.3% |
| Texas ratio (gross) | 15.11% | 12.27% | +2.83 pts | See points |
| Texas ratio (adjusted) | 15.11% | 12.27% | +2.83 pts | See points |
| Texas ratio (adjusted, with performing restructured) | Not reported | 19.27% | Not reported | See points |
| Tier 1 capital to risk-weighted assets | 13.15% | 13.07% | +0.08 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 13.15% | 13.07% | +0.08 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 | 14.40% | 14.33% | +0.08 pts | See points |
| Tier 1 leverage (approximate) | 9.78% | 9.52% | +0.26 pts | See points |
| Construction and land loans to total capital | 0.00% | 0.00% | 0.00 pts | See points |
| Commercial real estate to total capital | 71.04% | 76.81% | -5.77 pts | See points |
| Dividend payout, year to date | 110.99% | 234.19% | -123.20 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -0.87% | -0.52% | -0.35 pts | See points |
| Liquidity | ||||
| Core deposits | $119.2M | $122.2M | -$3.0M | -2.5% |
| Non-core funding | $10.3M | $14.9M | -$4.6M | -30.9% |
| Loans to core deposits | 90.70% | 86.34% | +4.36 pts | See points |
| Loans to deposits | 86.45% | 82.10% | +4.35 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 39.48% | 43.38% | -3.90 pts | See points |
| Loans pledged, share of loans | 10.98% | 11.44% | -0.45 pts | See points |
| Volatile liabilities | $10.3M | $14.9M | -$4.6M | -30.9% |
| Earnings | ||||
| Earnings before provision, year to date | $1.4M | $699K | +$680K | +97.3% |
| Earnings before provision, single quarter | $680K | $699K | -$19K | -2.7% |
| Provision for credit losses, year to date | $478K | $272K | +$206K | +75.7% |
| Yield and cost | ||||
| Yield on loans and leases | 6.67% | 6.73% | -0.06 pts | See points |
| Yield on interest-bearing balances due from banks | 4.28% | 3.70% | +0.58 pts | See points |
| Total interest income to average assets | 5.84% | 5.84% | -0.00 pts | See points |
| Cost of interest-bearing transaction accounts | 0.72% | 0.73% | -0.01 pts | See points |
| Cost of savings and money market deposits | 0.91% | 0.90% | +0.01 pts | See points |
| Cost of time deposits | 3.25% | 3.28% | -0.03 pts | See points |
| Total interest expense to average assets | 1.39% | 1.43% | -0.04 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 | $141M | $121M | $102M | 1.70% | 16.81% | 4.87% |
| 2026-06-30 | $145M | $125M | $106M | 1.21% | 12.32% | 4.64% |
| 2026-03-31 | $152M | $129M | $104M | 1.14% | 11.68% | 4.55% |
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 |
|---|---|---|---|---|
| MN | $122.7M | 0.04% | 171 | Continuing · +0.00 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.