🏦Bank Scorer

SECURITY BANK USA

BEMIDJI, MN · Supervised by FDIC

Est. 1910FDIC #1,604RSSD: FDIC-1604
Part ofSECURITY ST BANCSHARES BEMIDJI→ View all charters
Satisfactory Same

Current rating · Exam: March 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.85%

Institution Profile

FDIC BankFind

Address

1025 Paul Bunyan Dr Nw, BEMIDJI, MN

County

Beltrami County

Established

February 7, 1910

Total Assets

$276M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

March 1, 2025

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Mar 2030(based on asset size)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$276M

Total Deposits

$250M

Net Loans

$187M

Net Income

$1M

ROA

1.85%

ROE

20.22%

Risk-Based Capital

15.71%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

2

Branch Deposits

$229M

1-Year Change

0

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

8 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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