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.

Compiled from official public sources by the publisher.
$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.

FDIC Call Report plate

Cert 485 · SD C · 56/100

GRADE-C · BOTTOM-DECILE · PHOTO-FINISH · TIER1-ADEQ · TEXAS-CLEAN · ROA-PAR · SIZE-MID · BOOK-FULL

  • GRADE-C C (56/100)
  • BOTTOM-DECILE #3955/4307
  • PHOTO-FINISH State Bank & Trust · AL
  • TIER1-ADEQ 9.8% Tier 1
  • TEXAS-CLEAN 0.0% Texas
  • ROA-PAR 0.75% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside South Dakota: State Bank & Trust, AL (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Security Bank Midwest

Lowest and highest poles plus nearest scored peers outside South Dakota, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100New Market Bank · MN · near56/100Security Bank Midwest · SD ·…56/100State Bank · IN · near56/100State Bank & Trust · AL · ne…56/100The First National B… · TX ·…56/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Security Bank Midwest · July 2026

Plate reading for Security Bank Midwest where failures stay rare

Security Bank Midwest (FDIC Cert #485) carries a PlainBankData health grade of C at 56/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,955 of 4,307. Tier 1 capital prints at 9.82%, missing the 10% well-capitalized line. The Texas Ratio is 0.00%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.75%. Balance-sheet scale is $328M, 2,365th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is State Bank & Trust (AL), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Security Bank Midwest

Only 1 FAILURE resolution in South Dakota since 2000

Security Bank Midwest is headquartered in a state where FDIC FAILURE resolutions have been rare or absent since 2000 (1 of 578 nationwide). That is a historical count of closed institutions, not a forecast for this Call Report sheet.

  • BANKFIRST SIOUX FALLS, SD 2009 → ALERUS FINANCIAL, NATIONAL ASSOCIATION
  • FIRST FSB OF SOUTH DAKOTA RAPID CITY, SD 1992 → METROPOLITAN FB, FSB
  • FIRST FSB HURON, SD 1991 → BRANCH SALE

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and South Dakota banks.

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.

0/100100/100National avg77/10056/100
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 Assets

$328M

Total balance-sheet footings

Total Deposits

$245M

Customer-funded liabilities

Net Loans

$216M

Outstanding loan book

Net Income

$3M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 8.42% 9.82% 11.22%
Basel III capital ratios - Security Bank Midwest

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: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

56 8th percentile higher than 8% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). This entry sits in this band. 60–70: 777 FDIC-insured banks (18%). Above this entry. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Security Bank Midwest 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

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: Security Bank Midwest

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

What these ratios mean →

Profitability metrics: Security Bank Midwest

Return on Assets (ROA)
27th percentile nationally
0.75%
Return on Equity (ROE)
9.36%
Efficiency Ratio
75.27%

What these mean →

Income & expense at Security Bank Midwest

$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.

FDIC Failed Bank List → View Security Bank Midwest on FDIC BankFind →

Top banks in South Dakota by total assets

Largest banks headquartered in South Dakota
  1. 1
    Citibank $1.84T

    Sioux Falls, SD · Grade A

  2. 2
    Wells Fargo Bank $1.82T

    Sioux Falls, SD · Grade A

  3. 3
    The Bancorp Bank $9.3B

    Sioux Falls, SD · Grade A

  4. 4
    Pathward $7.6B

    Sioux Falls, SD · Grade A

  5. 5
    Dacotah Bank $4.8B

    Aberdeen, SD · Grade B

Top 5 banks in South Dakota ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($328M here), outside South Dakota so the neighborhood is not state containment.

CLB The Community Bank $328M · LA Commercial National Bank of Texarkana $328M · TX Pacific Crest Bank $328M · WA First State Bank $329M · AR

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.

Security Bank Midwest Call Report profile · FDIC Failed Bank List · South Dakota FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in South Dakota

All South Dakota banks →
BankAssetsGradeROA
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%