# SECURITY BANK
LAUREL, NE · FDIC certificate 5424 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. 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 | $309.9M | |
| Deposits | $269.7M | |
| Loans and leases | $228.1M | |
| Total equity | $38.8M | |
| Loans / deposits | 83.64% (p55 of band) | 82.04% |
| Liquid assets / assets | 20.87% (p35 of band) | |
| Uninsured deposits / deposits | 27.88% (p58 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 13.28% (p81 of band) | 10.81% |
| Unrealized securities loss / equity | -9.45% (p45 of band) | -8.10% |
| AOCI / equity | 0.83% (p94 of band) | |
| ROA (annualized) | 1.34% (p54 of band) | 1.28% |
| Net interest margin | 4.12% (p62 of band) | 3.91% |
| Efficiency ratio | 64.86% (p61 of band) | |
| Noncurrent loans | 0.63% (p61 of band) | 0.43% |
| Net charge-offs (annualized) | 0.10% (p84 of band) | |
| Reserve coverage of noncurrent | 174.57% | |
| Real estate % of loans | 47% | |
| Construction % of loans | 13.93% (p18 of band) | |
| Auto loans | $3.2M (1.39% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -4.1% | |
| Employees | 45 | |

## 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 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | uninsured deposits leaving |  |
| 2013-03 | 1 | capital falling | uninsured deposits leaving |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | reserve under noncurrent |  |
| 2014-06 | 0 |  | reserve under noncurrent |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | reserve under noncurrent |  |
| 2015-12 | 0 |  | reserve under noncurrent |
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | reserve under noncurrent |  |
| 2016-09 | 0 |  | reserve under noncurrent |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | charge-offs p90 |  |
| 2017-09 | 2 | reserve under noncurrent |  |
| 2017-12 | 2 | capital falling | reserve under noncurrent |
| 2018-03 | 0 |  | charge-offs p90, capital falling |
| 2018-06 | 1 | charge-offs p90 |  |
| 2018-09 | 2 | reserve under noncurrent, deposits shrinking | charge-offs p90 |
| 2018-12 | 0 |  | reserve under noncurrent, deposits shrinking |
| 2019-03 | 1 | capital falling |  |
| 2019-06 | 2 | charge-offs p90, reserve under noncurrent | capital falling |
| 2019-09 | 1 |  | reserve under noncurrent |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 | deposits shrinking | charge-offs p90 |
| 2020-06 | 2 | capital falling, charge-offs p90 | deposits shrinking |
| 2020-09 | 1 |  | capital falling |
| 2020-12 | 0 |  | charge-offs p90 |
| 2021-03 | 1 | capital falling |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | AOCI drag >20% of equity |  |
| 2022-06 | 2 | securities losses >30% of equity |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 | assets shrinking, uninsured deposits leaving | AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-06 | 3 | deposits shrinking |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 0 |  | assets shrinking, uninsured deposits leaving, deposits shrinking |
| 2024-03 | 1 | capital falling |  |
| 2024-06 | 0 |  | capital falling |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 1 | uninsured deposits leaving |  |
| 2025-06 | 0 |  | uninsured deposits leaving |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | charge-offs p90 |  |
| 2026-06 | 0 |  | charge-offs p90 |

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

- 2026-06-11 [Security Bank starts construction of new Northland branch near KCI - The Business Journals](https://news.google.com/rss/articles/CBMiogFBVV95cUxOWDJGaThPUlpua0tyRk4wTmZzRlBXdl90UnFpMTNqQXhfWHhSU0V2Uy1LV1hhYXJNejlTczItVzVsbVFMekhmbFVfdzQxR2JRdmZsNWlPSkdIQXFwQ0t5R1pjS1FDUHlUa19IX1QxaWd4VERPT1pvaU9fT0xOaF80RkluSmhoZ3g3a3kzcnBFLWxKa0sxS1lLN2swWFJ4V0FiZ3c?oc=5) · The Business Journals
- 2026-07-11 [Mr. Peanut makes appearance at Peoples Security Bank & Trust grand opening celebration - Times Leader](https://news.google.com/rss/articles/CBMiwgFBVV95cUxObkZ6aVppR25RLWFjejN0WjlBRkswdG1MMFRRbXY3T3dBX2JzazZKaUFOdDV1T0JRTmlyWDUzS0I0ZGpZaW83b05rM3BsMExmeENNYWtkWUpyc1VaZHVvZlJUUGdGcEplVzloY0pIbmpPWWZKM3d5ekpITmFRbW80Rk9jQVJsaVg0dGR0YnNxbWNoa2gtNlVuSWx0ek5pWEF3QkN1ZVo2b1VaNVhoVTl5YUtFd3Q3RklPdnhtZm5oTWZNUQ?oc=5) · Times Leader
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2025-11-18 [First Security Bank in Little Rock moves to First Security Park - Talk Business & Politics](https://news.google.com/rss/articles/CBMingFBVV95cUxPSFhfZk5CZzFiSHphTW1lSzZ3ZTljamdpOGFGel81VFc2dWZza3gxbV9PWjdzeXFRT2Qzc3F6TmZtOUE2cWVhSlI5U2tmVzlIa08tTTJTU0VBRDhaOUw0V3RsQ0VUaHNqUXZEbUFiLUZGLWx2WExMdTE3M0kwVFZrRGtGQnQ0SF9nNHUtZW9SN0xXTFJMNUxLOHlBbGxKdw?oc=5) · Talk Business & Politics
- 2025-11-25 [Pa. bank opens first branch in Lancaster County - PennLive.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxNcjQzTkItazBnbzFwM1M2NnN4Vnh1RXhQbHB4UGtyUnFuWW5sdTlzSUNHaXFuWlhJTDdZMXVFQUpNN0hsN1B0WERZYnhnMC1tR2gyREFBeGtQMGgtRkNYNmk4ZUdVV1J2anc2UWVWYlI2X3dDLWJRMWlPSnpCUzlwM0VlTGhaVkd3cnZwclZqTjU5Zi1UWDBaNg?oc=5) · PennLive.com
- 2026-05-26 [Security Bank taps JD Yap as CFO after Allen Reyes’ 10-month stint - InsiderPH](https://news.google.com/rss/articles/CBMikAFBVV95cUxQR0laSnNRbXlvVl9xV2I5TWw3bDlMZTM5dmxHU1dJRGluRjdTOTlDS3AxeGhCbVI1MGU4ZG1PUi1nR2laNTY2RXVueGxVNkZDR3piV2pHMHk3LV9BWHRKS3gtaXAzazQ5SjR6TncwZzVzQnRqVW5WSmlZSnNYbDVUWTNWdDF6NVhsdF9vSWVTSGk?oc=5) · InsiderPH
- 2025-11-29 [Richard "Rick" E. Adkins Jr. Obituary Nov 29, 2025 - Wintz and Ray Funeral Home](https://news.google.com/rss/articles/CBMibkFVX3lxTE05UGRhRUl2WlRUOHFIOXExYUprYXl2VXZELW9nbUg2cGE2VUMxWU1rTGxUZnFoZWk5UDRjU285SkhoN2RfTHV5TWdUbXFIZnMwRXFob1VIVFVqTDFMRmEwOGJIZXFheXRBN0o4eXpB?oc=5) · Wintz and Ray Funeral Home
- 2026-04-30 [Security Bank elects new directors, announces leadership changes - Manila Standard](https://news.google.com/rss/articles/CBMitAFBVV95cUxOTTZQVVd5Q3NSaF91WTdYcVNkTVFYalRMZ3Ztc195em9IYmF3TGV4U2NHaXFVVDhka1dUM2Rsbjl6NzBUdzhTX2REOEo4b1U1NXhQUk13UlZhMFRVYUV6WWZNRzYzcTcxYUFQbU01YjNUMmFnQWRnMnczc3VCdWFTTHpWOGoyNmtYdXdhTHdCeG9kNlV4bjRyTG9UX1daV1dhcFhPdWY5RWhLbkVPelZPY1lURFY?oc=5) · Manila Standard

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=5424 (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 "5424", 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