FDIC Cert #10982 · Oklee, Minnesota · Est. 1934

Security State Bank of Oklee - FDIC Bank Health Profile

A community-scale look at Security State Bank of Oklee's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$47M
Total assets
A
Health grade · Excellent
1.57%
Return on assets
38.7%
Tier 1 capital

Data updated July 2026

The verdict

Security State Bank of Oklee earns a PlainBankData health grade of A (97/100), with well-capitalized at 38.67% Tier 1, profitable at 1.57% ROA, efficient (51% cost ratio).

#4,145
largest of 4,313 FDIC banks by assets
4th
percentile by asset size, nationally
38.67%
Tier 1 ratio - above the 10% well-capitalized line
77th
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 10982 · MN A · 97/100

GRADE-A · TOP-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-COMMUNITY · BOOK-FULL

  • GRADE-A A (97/100)
  • TOP-DECILE #264/4307
  • PHOTO-FINISH Producers Bank & Trust · AR
  • TIER1-WELL 38.7% Tier 1
  • TEXAS-CLEAN 0.0% Texas
  • ROA-STRONG 1.57% ROA
  • SIZE-COMMUNITY <$100M
  • BOOK-FULL 9/9 fields

Nearest health peer outside Minnesota: Producers Bank & Trust, AR (±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 State Bank of Oklee

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

Morgan Stanley Bank,… · UT ·…100/100Farmers State Bank · IL · ne…97/100Producers Bank & Trust · AR …97/100Security State Bank… · MN · …97/100The Citizens Bank of… · GA ·…97/100The First National B… · AR ·…97/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Security State Bank of Oklee · July 2026

Call Report read for Security State Bank of Oklee in a high-failure state

Security State Bank of Oklee (FDIC Cert #10982) carries a PlainBankData health grade of A at 97/100, 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 #264 of 4,307. Tier 1 capital prints at 38.67%, clearing the 10% well-capitalized line. The Texas Ratio is 0.00%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.57%. Balance-sheet scale is $47M, 4,145th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Producers Bank & Trust (AR), 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 State Bank of Oklee

24 FAILURE resolutions in Minnesota since 2000, heavy vs the state corpus

Security State Bank of Oklee sits in one of the heavier post-2000 FAILURE states (24 resolutions; latest year 2014). The list below is state history from the Failed Bank List, not a claim about Security State Bank of Oklee's current Call Report.

  • NORTHERN STAR BANK MANKATO, MN 2014 → BANKVISTA
  • 1ST REGENTS BANK ANDOVER, MN 2013 → FIRST MINNESOTA BANK
  • FIRST COMMERCIAL BANK BLOOMINGTON, MN 2012 → REPUBLIC BANK & TRUST COMPANY

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

How Security State Bank of Oklee's 97/100 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 avg77/10097/100
Security State Bank of Oklee's composite health score
Tier 1 Capital Ratio (38.67%) 40/40
Return on Assets (ROA) (1.57%) 25/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (50.86%) 12/15

97 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$47M

Total balance-sheet footings

Total Deposits

$39M

Customer-funded liabilities

Net Loans

$21M

Outstanding loan book

Net Income

$729K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 10% 20% 30% 40% 50% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 37.27% 38.67% 40.07%
Basel III capital ratios - Security State Bank of Oklee

Where Security State Bank of Oklee ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Security State Bank of Oklee's score of 97/100 falls in the highlighted band.

Security State Bank of Oklee: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

97 Top 6% higher than 94% 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%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). Below this entry. 90–100: 815 FDIC-insured banks (19%). This entry sits in this band. Security State Bank of Oklee 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 State Bank of Oklee'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 State Bank of Oklee's $47M falls in the highlighted band.

Capital & credit buffers at Security State Bank of Oklee

Tier 1 capital ratio
Well-capitalized 10%

38.67% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
38.67%
Texas Ratio
0.00%
Equity Capital
$7M

What these ratios mean →

Earnings posture at Security State Bank of Oklee

Return on Assets (ROA)
77th percentile nationally
1.57%
Return on Equity (ROE)
9.92%
Efficiency Ratio
50.86%

What these mean →

Income & expense at Security State Bank of Oklee

$2M
Interest Income
$382K
Non-Interest Income
$888K
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Security State Bank of Oklee 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 State Bank of Oklee on FDIC BankFind →

Top banks in Minnesota by total assets

Largest banks headquartered in Minnesota
  1. 1
    Ameriprise Bank, FSB $25.3B

    Minneapolis, MN · Grade A

  2. 2
    Bridgewater Bank $5.4B

    Saint Louis Park, MN · Grade A

  3. 3
    Frandsen Bank & Trust $3.7B

    Lonsdale, MN · Grade A

  4. 4
    Stearns Bank $3.3B

    Saint Cloud, MN · Grade A

  5. 5
    Minnwest Bank $3.0B

    Redwood Falls, MN · Grade B

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

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($47M here), outside Minnesota so the neighborhood is not state containment.

Palo Savings Bank $47M · IA Table Grove State Bank $47M · IL Grant County State Bank $47M · ND Peoples Bank and Trust Company $47M · OK

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Security State Bank of Oklee (FDIC Cert #10982) - 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 State Bank of Oklee Call Report profile · FDIC Failed Bank List · Minnesota FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Minnesota

All Minnesota banks →
BankAssetsGradeROA
Ameriprise Bank, FSBMinneapolis $25.3B A 3.08%
Bridgewater BankSaint Louis Park $5.4B A 0.99%
Frandsen Bank & TrustLonsdale $3.7B A 1.48%
Stearns Bank National AssociationSaint Cloud $3.3B A 1.85%
Minnwest BankRedwood Falls $3.0B B 0.92%
Merchants Bank, National AssociationWinona $2.9B A 1.23%
Tradition Capital BankWayzata $2.6B B 0.71%
Think Mutual BankRochester $2.2B B 0.61%