Security State Bank (FDIC #235): Bank Stress & Real-Estate Credit Exposure
Security State Bank (FDIC Cert #235): bank stress 36/100, contained, STABLE over 7 days; parent OLD O BRIEN BANC SHARES INC.
Security State Bank (#235) lends in 4 counties across 1 state; Security State Bank (#235) reaches 39 ZIP codes: Iowa 4 counties, 39 ZIPs.
Security State Bank (#235) largest markets: O'Brien County, IA (28 branches, 14 ZIPs) (#235), Bremer County, IA (13 branches, 13 ZIPs) (#235), Chickasaw County, IA (9 branches, 9 ZIPs) (#235), Howard County, IA (9 branches, 9 ZIPs) (#235).
Security State Bank (#235) reports $492.3 million in total assets; Security State Bank (#235) equity $54.5 million (11.1% of Security State Bank (#235) assets); Security State Bank (#235) domestic deposits $337.3 million; Security State Bank (#235) net income $6.4 million; Security State Bank (#235) return on assets 2.63%; Security State Bank (#235) return on equity 24.24%; Security State Bank (#235) net interest income $9.8 million; Security State Bank (#235) call report June 30, 2026.
Security State Bank (#235) noncurrent real-estate loans: none reported; Security State Bank (#235) net charge-offs on real estate 0.25%; Security State Bank (#235) residential charge-offs 0.40%.
Security State Bank (#235) net interest margin 4.22% against an eight-quarter Security State Bank (#235) average of 3.89% (Security State Bank (#235) compression -0.32 points); Security State Bank (#235) non-residential real estate 39.9% of equity; Security State Bank (#235) rate-exposure score 40/100, Security State Bank (#235) fixed-rate trap 40/100; Security State Bank (#235) risk type rate trapped; Security State Bank (#235) rate regime rates elevated, Security State Bank (#235) snapshot October 19, 2026.
Security State Bank (#235) stress score moved from 35.7 on June 22, 2026 to 35.5 on October 20, 2026; Security State Bank (#235) ranged 35.5 to 35.7 over 117 snapshots.
Security State Bank (#235) alerts: 4 counties; top Security State Bank (#235) alert scores: Elma County, IA 16 (low); Frederika County, IA 16 (low); New Hampton County, IA 16 (low); Sutherland County, IA 16 (low).