TellerScore

Northeast Security Bank (FDIC certificate #18384) is based in Sumner, Iowa. Its Q2 2026 call report shows $461.9M in total assets and $379.1M in deposits and 7 offices.

Based on its Q2 2026 filing, Northeast Security Bank scores 77/100, which we describe as strong. That is higher than 68% of 2,650 banks with $100 million – $1 billion. Among 226 banks headquartered in Iowa, it ranks 79th. Its strongest component is loan quality (100/100; 0.00%), and its lowest is capital cushion (58/100; 10.77%).

TellerScore · Q2 2026

Scorecard

Capital cushion58/100
Tier 1 leverage ratio: 10.77%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings69/100
Return on assets (annualized): 1.22%
Funding & liquidity72/100
Loans ÷ deposits and uninsured-deposit share: 70.7% · 30.8% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.00%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 2 points (75 → 77), mostly because the earnings component improved by 7 points.

TellerScore
717477Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202471
Q3 202474
Q4 202474
Q1 202572
Q2 202575
Q3 202571
Q4 202571
Q1 202677
Q2 202677
Tier 1 leverage ratio
5.00%7.88%10.77%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.18%
Q3 202410.46%
Q4 202410.45%
Q1 202510.35%
Q2 202510.61%
Q3 202510.63%
Q4 202510.65%
Q1 202610.68%
Q2 202610.77%
Noncurrent loans
0.00%0.23%0.46%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.05%
Q3 20240.04%
Q4 20240.04%
Q1 20250.02%
Q2 20250.02%
Q3 20250.46%
Q4 20250.45%
Q1 20260.00%
Q2 20260.00%
Return on assets
0.70%0.97%1.23%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.70%
Q3 20240.97%
Q4 20240.95%
Q1 20250.80%
Q2 20251.05%
Q3 20251.11%
Q4 20251.12%
Q1 20261.23%
Q2 20261.22%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202677$461.9M10.77%0.00%1.22%70.7%
Q1 202677$443.3M10.68%0.00%1.23%76.0%
Q4 202571$449.0M10.65%0.45%1.12%74.4%
Q3 202571$440.1M10.63%0.46%1.11%76.7%
Q2 202575$435.6M10.61%0.02%1.05%75.5%
Q1 202572$432.0M10.35%0.02%0.80%74.1%
Q4 202474$438.3M10.45%0.04%0.95%72.1%
Q3 202474$428.6M10.46%0.04%0.97%73.4%
Q2 202471$427.6M10.18%0.05%0.70%67.5%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.77%
46th
Total risk-based capital16.67%
76th
Problem loans0.00%
94th
Net charge-offs0.25%
10th
Return on assets1.22%
48th
Net interest margin3.20%
16th
Efficiency ratio52.3%
79th
Loans to deposits70.7%
68th
Uninsured deposits30.8%
26th
Loan-loss reserves1.47%
77th
Texas ratio0.0%
95th

Similar-size banks in Iowa

InstitutionScoreAssetsCapitalProblem loansCompare
NSB BankBank Mason City, IA62 out of 100, Moderate$460.8M8.5%0.32%vs
Iowa State BankBank Algona, IA73 out of 100, Strong$470.7M11.2%0.15%vs
GreatAmerica Bank National AssociationBank Cedar Rapids, IA73 out of 100, Strong$450.0M61.6%0.00%vs
Iowa State BankBank Des Moines, IA95 out of 100, Very strong$480.5M15.9%0.00%vs
Home State BankBank Jefferson, IA38 out of 100, Low$480.7M8.9%2.21%vs
American Bank and Trust Company, National AssociationBank Davenport, IA61 out of 100, Moderate$480.9M10.1%0.86%vs

Deposit insurance

Is my money safe at Northeast Security Bank?

Yes. Northeast Security Bank is an FDIC-insured institution (FDIC certificate #18384). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 30.8% of deposits ($116.7M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.77%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.67% (benchmark: 10%).

Check how much of your own balance is covered

7 locations

Branches

Northeast Security Bank lists 7 offices in 7 cities. Most locations:

  • Decorah, IA (1)
  • Dysart, IA (1)
  • Fairbank, IA (1)
  • Fayette, IA (1)
  • Fredericksburg, IA (1)
  • Independence, IA (1)
  • Sumner, IA (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Northeast Security Bank reported 87 home-loan applications under HMDA (LEI 254900UKANDAKWQ7CR03): 84 originated ($15,630,000 total), 3 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 3.4%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Northeast Security Bank
Former names
First State Bank; Northeast Iowa National Bank
Type
State-chartered bank
FDIC certificate #
18384
RSSD ID
442244
Primary regulator
FDIC
Holding company
Independence Bancshares Inc
Established
January 1, 1888
Headquarters
1150 W 1st St, Sumner, IA 50674
Employees
45

Quick answers

Northeast Security Bank: common questions

Is Northeast Security Bank FDIC insured?

Yes. Northeast Security Bank is an FDIC-insured institution (FDIC certificate #18384). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Northeast Security Bank's TellerScore?

77 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Northeast Security Bank ever failed?

There is no failure record for FDIC certificate #18384 in the FDIC failed bank list.

How many branches does Northeast Security Bank have?

7 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Sumner

InstitutionScoreAssetsCapitalProblem loansCompare
Bank 1stBank West Union, IA91 out of 100, Very strong$166.1M15.2%0.00%vs
Citizens Savings BankBank Spillville, IA88 out of 100, Very strong$151.1M15.5%0.05%vs
Community Bank of OelweinBank Oelwein, IA86 out of 100, Very strong$95.0M14.1%0.00%vs
Maynard Savings BankBank Maynard, IA83 out of 100, Strong$108.4M15.1%1.00%vs
First Citizens BankBank Mason City, IA81 out of 100, Strong$1.8B12.0%0.16%vs
Kerndt Brothers Savings BankBank Lansing, IA79 out of 100, Strong$347.2M10.9%0.65%vs