Total Assets
$285M
Total balance-sheet footings
FDIC Cert #11519 · New Salem, North Dakota · Est. 1925
Security First Bank of North Dakota - FDIC Bank Health Profile
A community-scale look at Security First Bank of North Dakota's own numbers, pulled straight from its quarterly FDIC Call Report.
- $285M
- Total assets
- A
- Health grade · Excellent
- 1.87%
- Return on assets
- 12.9%
- Tier 1 capital
Data updated July 2026
The verdict
Security First Bank of North Dakota earns a PlainBankData health grade of A (88/100), with well-capitalized at 12.89% Tier 1, profitable at 1.87% ROA, efficient (59% cost ratio).
- #2,574
- largest of 4,313 FDIC banks by assets
- 40th
- percentile by asset size, nationally
- 12.89%
- Tier 1 ratio - above the 10% well-capitalized line
- 87th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How Security First Bank of North Dakota's 88/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Security First Bank of North Dakota's composite health score
Tier 1 Capital Ratio (12.89%) 35/40
Return on Assets (ROA) (1.87%) 25/25
Texas Ratio (6.02%) 16/20
Efficiency Ratio (59.10%) 12/15
88 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$240M
Customer-funded liabilities
Net Loans
$231M
Outstanding loan book
Net Income
$5M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Security First Bank of North Dakota ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Security First Bank of North Dakota's score of 88/100 falls in the highlighted band.
Security First Bank of North Dakota'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 First Bank of North Dakota's $285M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
12.89% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
12.89%
Texas Ratio
6.02%
Equity Capital
$35M
Profitability metrics
Return on Assets (ROA)
87th percentile nationally
1.87%
Return on Equity (ROE)
15.60%
Efficiency Ratio
59.10%
What the numbers say about Security First Bank of North Dakota
Security First Bank of North Dakota is an FDIC-insured institution (Certificate #11519) headquartered in New Salem, North Dakota, established in 1925. It holds $285M in total assets - 2,574th of 4,313 FDIC-insured banks, $240M in customer deposits, and $231M in net loans. Looking at capital strength, Tier 1 stands at 12.89%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 6.02%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of A (88/100), 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 North Dakota, Security First Bank of North Dakota ranks 30th of 61 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$16M
Interest Income
$1M
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 First Bank of North Dakota reports a Texas Ratio of 6.02% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
6.02% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in North Dakota by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Security First Bank of North Dakota (FDIC Cert #11519) - 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 North Dakota
All North Dakota banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Bell BankFargo | $14.4B | C | 0.59% |
| First International Bank & TrustWatford City | $6.2B | B | 1.69% |
| Choice Financial GroupFargo | $6.0B | B | 1.22% |
| Alerus Financial, National AssociationGrand Forks | $5.2B | C | 0.42% |
| Gate City BankFargo | $4.0B | D | 0.60% |
| Bravera BankDickinson | $3.8B | B | 1.12% |
| Western State BankDevils Lake | $2.6B | A | 1.79% |
| First Western Bank & TrustMinot | $2.3B | C | 0.84% |
Frequently asked questions
What is Security First Bank of North Dakota's health grade?▼
Security First Bank of North Dakota receives a health grade of A (88/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Security First Bank of North Dakota?▼
Security First Bank of North Dakota holds $285M in total assets and $240M in deposits, ranking 2,574th of 4,313 FDIC-insured banks by asset size. It is headquartered in New Salem, North Dakota.
Is my money safe at Security First Bank of North Dakota?▼
Yes, deposits at Security First Bank of North Dakota (Certificate #11519) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Security First Bank of North Dakota's Tier 1 Capital Ratio?▼
Security First Bank of North Dakota has a Tier 1 Capital Ratio of 12.89%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Security First Bank of North Dakota?▼
Security First Bank of North Dakota has a Texas Ratio of 6.02%. 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 First Bank of North Dakota?▼
Security First Bank of North Dakota has an Efficiency Ratio of 59.10%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Security First Bank of North Dakota's profile as a depositor or analyst.
- Security First Bank of North Dakota's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Security First Bank of North Dakota against other North Dakota banks before moving funds. North 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.