Security Savings Bank (FDIC #15734): Bank Stress & Real-Estate Credit Exposure

Security Savings Bank (FDIC Cert #15734): bank stress 71/100, elevated, STABLE over 7 days; parent LARCH BCORP INC.

Security Savings Bank (#15734) lends in 5 counties across 3 states; Security Savings Bank (#15734) reaches 69 ZIP codes: South Dakota 2 counties, 33 ZIPs; Minnesota 2 counties, 26 ZIPs; Iowa 1 county, 12 ZIPs.

Security Savings Bank (#15734) largest markets: Minnehaha County, SD (23 branches, 23 ZIPs) (#15734), Nobles County, MN (17 branches, 17 ZIPs) (#15734), Rock County, MN (26 branches, 13 ZIPs) (#15734), Lyon County, IA (36 branches, 12 ZIPs) (#15734), Lincoln County, SD (12 branches, 12 ZIPs) (#15734).

Security Savings Bank (#15734) reports $557.4 million in total assets; Security Savings Bank (#15734) equity $57.5 million (10.3% of Security Savings Bank (#15734) assets); Security Savings Bank (#15734) domestic deposits $495.0 million; Security Savings Bank (#15734) net income $2.5 million; Security Savings Bank (#15734) return on assets 0.92%; Security Savings Bank (#15734) return on equity 8.92%; Security Savings Bank (#15734) net interest income $8.5 million; Security Savings Bank (#15734) call report June 30, 2026.

Security Savings Bank (#15734) noncurrent real-estate loans: none reported; Security Savings Bank (#15734) net charge-offs on real estate 0.10%; Security Savings Bank (#15734) residential charge-offs 0.12%.

Security Savings Bank (#15734) net interest margin 3.34% against an eight-quarter Security Savings Bank (#15734) average of 3.02% (Security Savings Bank (#15734) compression -0.31 points); Security Savings Bank (#15734) non-residential real estate 11.6% of equity; Security Savings Bank (#15734) rate-exposure score 40/100, Security Savings Bank (#15734) fixed-rate trap 40/100; Security Savings Bank (#15734) risk type credit driven; Security Savings Bank (#15734) rate regime rates elevated, Security Savings Bank (#15734) snapshot October 20, 2026.

Security Savings Bank (#15734) stress score moved from 70.1 on June 22, 2026 to 71 on October 20, 2026; Security Savings Bank (#15734) ranged 70.1 to 71 over 117 snapshots.

Security Savings Bank (#15734) alerts: 5 counties; top Security Savings Bank (#15734) alert scores: Canton County, SD 23 (low); Ellsworth County, SD 23 (low); Larchwood County, SD 23 (low); Luverne County, SD 23 (low); Sioux Falls County, SD 23 (low).