# SECURITY NATIONAL BANK
WITT, IL · FDIC certificate 3845 · asset band <$300M · latest filing 2024-03 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 (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 | $96.1M | |
| Deposits | $83.0M | |
| Loans and leases | $50.8M | |
| Total equity | $8.9M | |
| Loans / deposits | 60.36% (p34 of band) | 70.19% |
| Liquid assets / assets | 45.09% (p70 of band) | |
| Uninsured deposits / deposits | 6.09% (p6 of band) | 18.94% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 3.85% (p58 of band) | |
| FHLB advances / assets | 3.85% | |
| Tier 1 leverage | 10.78% (p43 of band) | 11.30% |
| Unrealized securities loss / equity | -22.27% (p41 of band) | -16.70% |
| AOCI / equity | -0.02% (p66 of band) | |
| ROA (annualized) | 0.71% (p42 of band) | 0.87% |
| Net interest margin | 3.27% (p42 of band) | 3.46% |
| Efficiency ratio | 70.70% (p48 of band) | |
| Noncurrent loans | 0.91% (p77 of band) | 0.25% |
| Net charge-offs (annualized) | 0.03% (p82 of band) | |
| Reserve coverage of noncurrent | 153.66% | |
| Real estate % of loans | 68% | |
| Construction % of loans | 3.32% (p24 of band) | |
| Auto loans | $917,000 (1.80% of loans; DQ 3.05%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -4.2% | |
| Employees | 21 | |

## Flags firing in the latest filing

- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 | uninsured deposits leaving | capital falling |
| 2012-12 | 1 |  |  |
| 2013-03 | 0 |  | uninsured deposits leaving |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 1 | uninsured deposits leaving |  |
| 2014-12 | 1 | capital falling | uninsured deposits leaving |
| 2015-03 | 1 | charge-offs p90 | capital falling |
| 2015-06 | 1 |  |  |
| 2015-09 | 2 | capital falling |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 2 | uninsured deposits leaving | charge-offs p90 |
| 2016-06 | 1 |  | uninsured deposits leaving |
| 2016-09 | 2 | uninsured deposits leaving |  |
| 2016-12 | 1 |  | uninsured deposits leaving |
| 2017-03 | 0 |  | capital falling |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | uninsured deposits leaving |  |
| 2018-09 | 0 |  | uninsured deposits leaving |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | charge-offs p90 |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 | capital falling | charge-offs p90 |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 2 | charge-offs p90 |  |
| 2021-09 | 0 |  | capital falling, charge-offs p90 |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 3 | charge-offs p90 |  |
| 2023-03 | 2 |  | AOCI drag >20% of equity |
| 2023-06 | 2 | deposits shrinking | charge-offs p90 |
| 2023-09 | 1 |  | deposits shrinking |
| 2023-12 | 0 |  | securities losses >30% of equity |
| 2024-03 | 1 | uninsured deposits leaving |  |

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

- 2026-06-29 [Security National Bank - Omaha World-Herald](https://news.google.com/rss/articles/CBMimAFBVV95cUxQeFZMMVhpQlYtclBjUGFuaVhmNDlRekNIVFF6UmtIT19xQk5lVE1iNEdHZ0pCYWp6aXltTXdsaHR2dTBOTkJxc0t6bWlDbFcwNzNPRGdUbGVDRmtzc1ZtamhRbk5rQWk2VGo0OHB6b0pOd01laExSdHpqbEhnS2dWc0QyS1M5LXBuU3Z2TGhyaTQwYS1QZ29DZA?oc=5) · Omaha World-Herald
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2025-07-03 [Security National Bank announces promotions - Sioux City Journal](https://news.google.com/rss/articles/CBMirgFBVV95cUxNdHl6Si1ZbUdLYnRRTFlFRHRjNWRVcHRZLXpKaGZIT2N5WWw3MWJMVTBTNjBGR21FOEtnSkY5UnNxX243N1paRmkxeXNyanhvVGxEUENVMGdTOG1fUm5lRjlianY0c0ZiaGdFbDRnTldFMnB3QUs1SU1iTWtOdG1Gc0xsekRZV0VqWThNeXc1aGRNMV9kVkl1QnUwTXpkMV9UdER3VHlRT1FfYklCMkE?oc=5) · Sioux City Journal
- 2022-01-30 [Security National Bank in Sioux City names new president - Sioux City Journal](https://news.google.com/rss/articles/CBMimwFBVV95cUxPd09KQUdzZTV3T1VLOUZIREpLZUZ1MGRiSU5WajRmX1NDMFBqU0JIczlMYjUxdmZHSEcybGJFbTdTM29Ua1pmaFM3OWxtX0VOdFhYeURZZF9FWjY3MTJIWm5Gd1BQSExXb0xnNmJWWE1Ob0kzZkl4NXlzNExFSHJERlNCb0hxbmh5LWo5UUhCOUEyaXZaSXU0N2ttNA?oc=5) · Sioux City Journal
- 2024-05-05 [John Thompson Obituary - CA - eastbaytimes.com](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE1YbUlfTkFpWFlONlZxcWVRQ0FEZFJpN3c4MEZtYTJJOG1BVWxIQ0hFMXI4a3B2R1B5bVJya0VYNnhSSHJjdkx5SElnUWUxNk5aU1NoMEFSQmFPVFZzOWlTeFhNcm53dkE?oc=5) · eastbaytimes.com
- 2025-03-03 [Capital One and Wells Fargo Rated ‘Outstanding’ in CRA Compliance - PYMNTS.com](https://news.google.com/rss/articles/CBMivgFBVV95cUxPbW5OWGtxek13djZyc0txVEdLdURyV2k4UU9sR0toYy1ZdmY3M2lHSUU5NEw3VmZVYWNuVUtSRG04aURBY1hLZWhLLUJxYko5YmZ2dHZuOVJGRlY5ei1QY3BpMHZhWG1NM1RTOWJYS1lsSG5jb21hMnBhdDBRcjhoTi05NGREM2d2d1lFb29ST2RmbFFPQm94UHJQbUNNMjh3ZjMwY0Q1VHFSTk5YaUl3c1VNRk50M3BzSHUyVDlB?oc=5) · PYMNTS.com
- 2024-07-30 [The History-Rich Ghost Town of Cairo, Ill. - Numismatic News](https://news.google.com/rss/articles/CBMiiwFBVV95cUxOeTM2ZTFkSGVsc21sMWpmTWpSbngyWE1acnhzbXViYTJ2MHdYcmJkODZFbm5Xa04wZUJLeEx0YkRpUjNMQWo1aDZuUkUzcHRFOUptU2VwUVdRMElRMm9pQ1g3UVdoampwc2dZakNLaG5ZaDFURTk2cUxnSmtiMFJrTTEyZ1BuVFllR3Br?oc=5) · Numismatic News
- 2026-02-06 [Gary Robert Machan Obituary (2026) - Dakota Dunes, SD - Meyer Brothers Morningside Chapel - legacy.com](https://news.google.com/rss/articles/CBMif0FVX3lxTE95bGFvYjhERjJZR0x6TjVsaERycDdvUGpCSV9yVGlrZEVzS0d4REZGa05rUkxyaDFZNW9OZm9FaEFHV0ZOamRydmdFRFlKd0NCYUltZUM4d0F0RC1xMlE2a045QUYxZ1JLS1pMc29OSHZqaGxHbm0tZ1JqVlI0WGs?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=3845 (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 "3845", 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