# SECURITY STATE BANK BASIN, WY · FDIC certificate 12592 · asset band $300M-1B · latest filing 2026-06 · live **Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster). ## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses) | Measure | Value | Band median | |---|---|---| | Total assets | $449.1M | | | Deposits | $380.1M | | | Loans and leases | $260.5M | | | Total equity | $38.6M | | | Loans / deposits | 67.66% (p21 of band) | 82.04% | | Liquid assets / assets | 37.35% (p79 of band) | | | Uninsured deposits / deposits | 17.23% (p19 of band) | 25.97% | | Brokered deposits | 1.11% | | | Wholesale funding | 6.69% (p66 of band) | | | FHLB advances / assets | 1.78% | | | Tier 1 leverage | 10.44% (p44 of band) | 10.81% | | Unrealized securities loss / equity | -28.31% (p14 of band) | -8.10% | | AOCI / equity | -0.90% (p25 of band) | | | ROA (annualized) | 0.56% (p13 of band) | 1.28% | | Net interest margin | 3.19% (p16 of band) | 3.91% | | Efficiency ratio | 78.23% (p87 of band) | | | Noncurrent loans | 0.22% (p34 of band) | 0.43% | | Net charge-offs (annualized) | 0.01% (p60 of band) | | | Reserve coverage of noncurrent | 593.75% | | | Real estate % of loans | 75% | | | Construction % of loans | 49.59% (p56 of band) | | | Auto loans | $4.8M (1.86% of loans; DQ 0.70%, NCO 0.00%) | | | Loans to nondepository financials | $0 (0% of equity) (p45 of band) | | | Deposits YoY | 0.7% | | | Employees | 70 | | ## Flags firing in the latest filing - none ## Warning timeline | Quarter | Score | Flags that first fired | Flags that cleared | |---|---|---|---| | 2011-03 | 0 | | | | 2011-06 | 0 | | | | 2011-09 | 0 | | | | 2011-12 | 2 | capital falling, reserve under noncurrent | | | 2012-03 | 1 | | capital falling | | 2012-06 | 1 | | | | 2012-09 | 0 | | reserve under noncurrent | | 2012-12 | 0 | | | | 2013-03 | 0 | | | | 2013-06 | 0 | | | | 2013-09 | 0 | | | | 2013-12 | 0 | | | | 2014-03 | 1 | uninsured deposits leaving | | | 2014-06 | 1 | | | | 2014-09 | 1 | | | | 2014-12 | 1 | capital falling | uninsured deposits leaving | | 2015-03 | 0 | | capital falling | | 2015-06 | 0 | | | | 2015-09 | 0 | | | | 2015-12 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving | | | 2016-03 | 0 | | deposits shrinking, assets shrinking, uninsured deposits leaving | | 2016-06 | 0 | | | | 2016-09 | 0 | | | | 2016-12 | 0 | | | | 2017-03 | 1 | charge-offs p90 | | | 2017-06 | 0 | | charge-offs p90 | | 2017-09 | 0 | | | | 2017-12 | 0 | | | | 2018-03 | 2 | capital falling, reserve under noncurrent | | | 2018-06 | 2 | noncurrent p90 | capital falling | | 2018-09 | 2 | | | | 2018-12 | 3 | charge-offs p90 | | | 2019-03 | 4 | capital falling | | | 2019-06 | 3 | | capital falling | | 2019-09 | 1 | | reserve under noncurrent, noncurrent p90 | | 2019-12 | 1 | | | | 2020-03 | 3 | capital falling, noncurrent p90, reserve under noncurrent | charge-offs p90 | | 2020-06 | 3 | | | | 2020-09 | 2 | | capital falling | | 2020-12 | 3 | charge-offs p90 | | | 2021-03 | 3 | capital falling | charge-offs p90 | | 2021-06 | 3 | | | | 2021-09 | 0 | | noncurrent p90, reserve under noncurrent, capital falling | | 2021-12 | 0 | | | | 2022-03 | 3 | capital falling, AOCI drag >20% of equity, securities losses >30% of equity | | | 2022-06 | 2 | | capital falling | | 2022-09 | 2 | | | | 2022-12 | 2 | | | | 2023-03 | 1 | | AOCI drag >20% of equity | | 2023-06 | 2 | capital falling | | | 2023-09 | 5 | expense ratio p90, deposits shrinking, uninsured deposits leaving | | | 2023-12 | 6 | wholesale funding >15%, NIM <2.5% | deposits shrinking | | 2024-03 | 4 | | expense ratio p90, wholesale funding >15% | | 2024-06 | 3 | | capital falling | | 2024-09 | 2 | | uninsured deposits leaving | | 2024-12 | 4 | expense ratio p90, assets shrinking | | | 2025-03 | 2 | | NIM <2.5%, assets shrinking | | 2025-06 | 2 | | | | 2025-09 | 2 | | | | 2025-12 | 1 | capital falling | securities losses >30% of equity, expense ratio p90 | | 2026-03 | 1 | securities losses >30% of equity | capital falling | | 2026-06 | 0 | | securities losses >30% of equity | ## In the news (Google News, unfiltered, newest first; check the city) - 2026-08-27 [Security State Bank celebrates 50th annual golf tournament - Basin Republican Rustler](https://news.google.com/rss/articles/CBMiqgFBVV95cUxOZG91WGxTUjM1TFdhMHJnSHZ0U0N1V2JUSXNxcFdWX0tSTDdNVW9BcFhpdUY4eEVCMUFCWnZTMEFYRmJKVElVdncxeEQtYlVBLTFNV0k3d293eXd6Z0IyVUhoZVQ2MW5SaVY3OVlRelQ1Rlo1MTNpQUEwZ2ctam5qdkNrajVCVFpjT2lKUmVxX0x1UWhiZWxVckF2Y1JrX0NBRmFEb3RVQ3B2Zw?oc=5) · Basin Republican Rustler - 2019-04-06 [PROGRESS 2019: Security State Bank of Marine found perfect formula in 1919 - hometownsource.com](https://news.google.com/rss/articles/CBMiiAJBVV95cUxQYk5NU3hJcWhTcFJHUk1hYzRSMHdnejlwWVVnOGwtakdDalhVZDZGMDZ1d3NwTnMzSHlkQkY0ZHZUWEx0b2huUUlPVklTcVV3bHF5czlJa0gxdVFkSDhoSGhjQy1iNkdiZ284ejRlMHlTOFkwS0gtSHVsaHg5NjhFNzJnZkJ0QTExNDVtOVFOOGFrbFhMYmExOWNuQzVVT0ZqcmpmenpOcFBCWmJERkw3dzRqSE5iSHlqOHkxcEZucXFObnFwSVhyNVhROWxqbEtVMk5BWkJtRXdOTGhPNFJ2Q01DdnVKeFJKS3VMemo4M3k1c2NTemNyRHQ5S3lGSVA4UGhvUWFQLVI?oc=5) · hometownsource.com - 2024-06-11 [SCSD#2 Receives Donation - Sheridan Media](https://news.google.com/rss/articles/CBMib0FVX3lxTE1PYmZGLXhpR3BvZ1N2QUgwNW15M0Nob0otbUFUeFBNeEpabUEtMzVKNC05dlE3Q1lyNDhDbDdqNThudFRVamt0U3RCXzRFd2RnVmxXdjhjVll1eTUyY2NaaDZqSGxLQ1h0T3JTdGRGcw?oc=5) · Sheridan Media - 2022-06-23 [The Lakeland Times - The Lakeland Times](https://news.google.com/rss/articles/CBMibEFVX3lxTE9QRk5Bc0ltWUFyRFg3S1l6RzNmMzBWaHV1QnQtUk1JcXVYQ3N2Tkl6b3hScEhULVV3YjhLTmsyU1B3VEtuYzlUc1ZHRlZTWmhBMk9jM0FhNEhVX3FJSkZKM1QtSUFYOVVMTE10YQ?oc=5) · The Lakeland Times - 2023-09-25 [Locals recall 2 bank robberies, and a rollover collision involving Clark County's longest-serving sheriff - East Idaho News](https://news.google.com/rss/articles/CBMi2gFBVV95cUxNUTFHT2FzWHd3MENiaGxXeXV3UHp1TWloV1RtR2NFYlBKVEREcm9XMndkdFMyOTRNTTJWVmR3dG5LaFFjejBBMG1LSWhvWFhudHNJbnJnNEZIY1p6RTBmeTM0Vy1jVVFJbDRLSzVHLXZGejlDR01OY0pSVkcxWTdBazQzRjJFWTRSb0Q5MFVsZDlLb054OV9Sb2NSYlBKcHIwdjd1UThaR0xBV0w2NnlyXzVuT0VwSUFYTWR0LU1hSnF1bWRHUGdsZ2hVT0ZiVVYySTlWSUNVQ2prUQ?oc=5) · East Idaho News - 2024-11-07 [Business Halloween Costume Contest - Northern Wyoming News](https://news.google.com/rss/articles/CBMilwFBVV95cUxNVDdHYjFjaHVlQUQtVzZmdmVFLTRYYVJLM2lYVlZPeWF6TkFXN0dKZU9EbnI3WFNucVdzZ2pjZHZrODlYUDlGX1d4S192Q2wzNGVudTBRR2RNVGRmc3RzUUk4M1AyS0ljWjNHS200cElIS2QxSkVZSk1RcDUtRkg1YkJmanpUczI4am55U1Baa2VEY3p2aGhv?oc=5) · Northern Wyoming News - 2019-05-24 [Nancy Plowman Obituary May 24, 2019 - Sunset Memorial Gardens & Funeral Home](https://news.google.com/rss/articles/CBMiY0FVX3lxTE1YVFpnS19NTGFXWmNZVzJyQWxUMnZTd0V6bExOcHktQjdPVjVCa2hyZE5vbjFKQU5vRHZfcDZ1ZXpmTzhtN3ZxMmpIazMyRlZWcE5SNUV6N3VhOS10TDFBZGxOWQ?oc=5) · Sunset Memorial Gardens & Funeral Home - 2025-06-03 [The Woolworth Building will house Sheridan’s history and display its values - Sheridan Media](https://news.google.com/rss/articles/CBMiswFBVV95cUxNVTI2cTZjS3NrYnMtdy1PblRnaVk0Zmt1b19wRUJ1djdscDl0RHJlcjZGLWItMnNfOEJjd2pQUElXdld4RDlGM2Q2SDY3eWRXV1B5TTU3V25lX0p3WjBKYndyc005MHdabFl2cUM2U05YdHNvU3g1Yzlya0Vvbi1RcGZWLVJON2I1Vmh6Z2JNeS1fOEUwRng2MDhRUTdBNkJhOENqTU9fRm9uT05tckQ4R0hraw?oc=5) · Sheridan Media ## How to verify - Page: https://getbookiq.com/bank-desk/#bank=12592 (click any number for its formula and FFIEC field codes) - Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/48.json (key "12592", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags) - Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary - Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list. --- Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide