Total Assets
$328M
Total balance-sheet footings
FDIC Cert #485 · Tyndall, South Dakota · Est. 1932
Security Bank Midwest - FDIC Bank Health Profile
A community-scale look at Security Bank Midwest's own numbers, pulled straight from its quarterly FDIC Call Report.
- $328M
- Total assets
- C
- Health grade · Fair
- 0.75%
- Return on assets
- 9.8%
- Tier 1 capital
Data updated July 2026
The verdict
Security Bank Midwest earns a PlainBankData health grade of C (56/100), with 9.82% Tier 1 capital, 0.75% ROA, 75% efficiency ratio.
- #2,365
- largest of 4,313 FDIC banks by assets
- 45th
- percentile by asset size, nationally
- 9.82%
- Tier 1 ratio - below the 10% well-capitalized line
- 27th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How Security Bank Midwest's 56/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Security Bank Midwest's composite health score
Tier 1 Capital Ratio (9.82%) 18/40
Return on Assets (ROA) (0.75%) 14/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (75.27%) 4/15
56 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$245M
Customer-funded liabilities
Net Loans
$216M
Outstanding loan book
Net Income
$3M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Security Bank Midwest ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Security Bank Midwest's score of 56/100 falls in the highlighted band.
Security Bank Midwest's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Security Bank Midwest's $328M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
9.82% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
9.82%
Texas Ratio
0.00%
Equity Capital
$28M
Profitability metrics
Return on Assets (ROA)
27th percentile nationally
0.75%
Return on Equity (ROE)
9.36%
Efficiency Ratio
75.27%
What the numbers say about Security Bank Midwest
Security Bank Midwest is an FDIC-insured institution (Certificate #485) headquartered in Tyndall, South Dakota, established in 1932. It holds $328M in total assets - 2,365th of 4,313 FDIC-insured banks, $245M in customer deposits, and $216M in net loans. Looking at capital strength, Tier 1 stands at 9.82%, under the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 0.00%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of C (56/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within South Dakota, Security Bank Midwest ranks 29th of 56 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$18M
Interest Income
$514K
Non-Interest Income
$8M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Security Bank Midwest reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in South Dakota by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Security Bank Midwest (FDIC Cert #485) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in South Dakota
All South Dakota banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Citibank, National AssociationSioux Falls | $1.84T | A | 0.85% |
| Wells Fargo Bank, National AssociationSioux Falls | $1.82T | A | 1.41% |
| The Bancorp Bank, National AssociationSioux Falls | $9.3B | A | 2.81% |
| Pathward, National AssociationSioux Falls | $7.6B | A | 2.65% |
| Dacotah BankAberdeen | $4.8B | B | 1.01% |
| First Bank & TrustBrookings | $4.7B | B | 1.02% |
| First PREMIER BankSioux Falls | $4.2B | A | 1.67% |
| First Dakota National BankYankton | $3.2B | A | 1.38% |
Frequently asked questions
What is Security Bank Midwest's health grade?▼
Security Bank Midwest receives a health grade of C (56/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is Security Bank Midwest?▼
Security Bank Midwest holds $328M in total assets and $245M in deposits, ranking 2,365th of 4,313 FDIC-insured banks by asset size. It is headquartered in Tyndall, South Dakota.
Is my money safe at Security Bank Midwest?▼
Yes, deposits at Security Bank Midwest (Certificate #485) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Security Bank Midwest's Tier 1 Capital Ratio?▼
Security Bank Midwest has a Tier 1 Capital Ratio of 9.82%. The federal "well-capitalized" threshold is 10%. This bank meets the minimum 6% "adequately capitalized" standard.
What is the Texas Ratio for Security Bank Midwest?▼
Security Bank Midwest has a Texas Ratio of 0.00%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Security Bank Midwest?▼
Security Bank Midwest has an Efficiency Ratio of 75.27%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Security Bank Midwest's profile as a depositor or analyst.
- Security Bank Midwest's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Security Bank Midwest against other South Dakota banks before moving funds. South Dakota banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.