# SECURITY STATE BANK
EMERY, SD · FDIC certificate 15749 · asset band <$300M · 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 | $64.8M | |
| Deposits | $52.2M | |
| Loans and leases | $16.9M | |
| Total equity | $12.3M | |
| Loans / deposits | 32.11% (p8 of band) | 73.59% |
| Liquid assets / assets | 71.90% (p94 of band) | |
| Uninsured deposits / deposits | 23.68% (p64 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 19.51% (p89 of band) | 11.76% |
| Unrealized securities loss / equity | -0.07% (p90 of band) | -6.57% |
| AOCI / equity | -0.44% (p47 of band) | |
| ROA (annualized) | 1.99% (p85 of band) | 1.17% |
| Net interest margin | 4.32% (p69 of band) | 3.93% |
| Efficiency ratio | 36.30% (p2 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 17% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $231,000 (1.36% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 4.2% | |
| Employees | 7 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | NIM <2.5% |  |
| 2011-06 | 0 |  | NIM <2.5% |
| 2011-09 | 0 |  |  |
| 2011-12 | 1 | capital falling |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | capital falling |  |
| 2013-03 | 2 | NIM <2.5% |  |
| 2013-06 | 1 |  | capital falling |
| 2013-09 | 1 |  |  |
| 2013-12 | 3 | deposits shrinking, assets shrinking |  |
| 2014-03 | 3 | uninsured deposits leaving | NIM <2.5% |
| 2014-06 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2014-09 | 1 | uninsured deposits leaving |  |
| 2014-12 | 0 |  | uninsured deposits leaving |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | capital falling |  |
| 2016-06 | 1 | uninsured deposits leaving | capital falling |
| 2016-09 | 0 |  | uninsured deposits leaving |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 0 |  |  |
| 2020-12 | 1 | capital falling |  |
| 2021-03 | 2 | NIM <2.5% |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 | uninsured deposits leaving | capital falling |
| 2021-12 | 1 |  | uninsured deposits leaving |
| 2022-03 | 2 | capital falling |  |
| 2022-06 | 1 |  | capital falling |
| 2022-09 | 0 |  | NIM <2.5% |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 3 |  |  |
| 2024-06 | 2 |  | uninsured deposits leaving |
| 2024-09 | 0 |  | deposits shrinking, assets shrinking |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | uninsured deposits leaving |  |
| 2026-03 | 0 |  | uninsured deposits leaving |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-02-04 [A new flag rises in Tyndall to mark America’s 250th - Mitchell Republic](https://news.google.com/rss/articles/CBMimgFBVV95cUxPaXRrTmMtSDVodFZ4MXZYVnFESFBkbEZDQzFiUFNyVzBabGlzU3Vqc25DcUhDZlNjVmNlVk10TnpQcnhvdnRUSWZhajdXcENtR3l0NTBpZHVZUUN5bE8wNWp4d2g1YW5Ga0dVVWZwZ255UkE4ZHNyQ0Q4TDM5Y3Q1Y1F2Q2ZkN19zSTBQak9pQmtiak5xcGJyN2J3?oc=5) · Mitchell Republic
- 2018-06-02 [Security State Bank of Lewiston to merge with Minnwest Bank - The Fayetteville Observer](https://news.google.com/rss/articles/CBMimgFBVV95cUxQb2NSQ0ItUlAzYmZWN2xQTVY3ZzFoRXgyUDV2QzIwblR1QjQzZ1RwWG1jODNuY2ZILVBJbDV6R1I4dWhpSzNxS3hPNU1GOUd1TWxaYjY5Nk80Njk0VTlacGU4cDl5dUVfM05lWXJycUE3ZXdJWjMzNEh5Yko4WjRhcnFVV3lqclFtdWY0UkhXQW5VMWJRTGoyNkV3?oc=5) · The Fayetteville Observer
- 2025-07-11 [The 20 top-performing banks with $2B to $10B of assets - American Banker](https://news.google.com/rss/articles/CBMilwFBVV95cUxPS0NEYTZFeXRleUhoXzViMmtzQVBWX2xhVVI3aXQwT2N4c056SGF0dzBKbG9uWjlPTXRBcEFNT19XN1JDQmZFZ2ZZLWd1cjVqNEJYOXhuQkJJVzBuY1RubG9HRy10M1o1N0M5THY4REtaaW40WVBQWHJfS2dfNHJFdFVwajVROVVKSEtWQ0YxS0Rjd2tZU2JF?oc=5) · American Banker
- 2016-07-05 [George Washington Cluts Obituary Jul 5, 2016 - Furness Funeral Home](https://news.google.com/rss/articles/CBMiakFVX3lxTE9kejlHanVXcHVsM084TjhOeHZjQ3ZNMnZrMXM1ck8wMUhjS1NZeTJZRnZlZzN2VThQUU1iY3pHMVJaSGpfZ0JQWDlsOTYtNFZyVERGTlNwRVJMVm85SXZkQUN0UXVDclg5c1E?oc=5) · Furness Funeral Home
- 2017-02-22 [Richard E. Grasser Obituary Feb 22, 2017 - Miller Funeral Home](https://news.google.com/rss/articles/CBMiYEFVX3lxTFBaM1lmamVjVHdwMWNRZDk0Y19QOUh6NmZfQko3eUVhMmVSQ2NSYXdoRVVtd3VTUUdLY2d3LUI1cDN3UlRIc1NOQ3hxT183bmhUX2NzWWtfV3c5c0RmTWxHbg?oc=5) · Miller Funeral Home
- 2025-08-24 [Judy Kornder Obituary Aug 24, 2025 - Schriver's Memorial Mortuary & Crematory](https://news.google.com/rss/articles/CBMiaEFVX3lxTFBWcHpSbnp6RjFzUWh6T3lBcVp2TC1ISXpOeU1YdnItQm0yRzNrdWEzM0RwTnVUSmNDXzc0a1ZScDFFQ3pvMnhoU2tyWS0zelpKb2s3d1pfUkdtTEhqX21maGV1QzlmREt6?oc=5) · Schriver's Memorial Mortuary &amp; Crematory
- 2017-06-20 [Obituary for John Heneman - Helgeson Funeral Home](https://news.google.com/rss/articles/CBMiaEFVX3lxTFBwUUVvRWF2YXlzRDhRMzAtbGp3SlJSMlBlOHByZDYwN0RVc0RNMFQ2UHZLaHJVQUVFLTVUdnJFLUVUQXI2OWlIMUxZaTU4eHYyQl90OUxJMzYwYnh0TXFGMk11UERRRUxF?oc=5) · Helgeson Funeral Home
- 2013-07-11 [Robert Hajek Obituary (1922 - 2013) - Tyndall, SD - Argus Leader - Legacy obituary](https://news.google.com/rss/articles/CBMikAFBVV95cUxNX0dYam4xVm42X09XM1Rwajl3YUh0TGYxN1lLcElwbXNDMlVXckoxZVF1dXY3Um1aUE5SVGNNTDJtVE53Y2VVM3hiODZwazRrclNZMlJVZzQ3SkxJQkpSV3RueGFUUnhWcFJCcXBjSEl3Sm9vWkFYbUpwZ09fV3pER1d0MjV4dWhJUktnbjRjRUw?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15749 (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/5.json (key "15749", 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.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide