TellerScore

Security Bank is a state-chartered bank (fed member) headquartered in Laurel, Nebraska, in business for about 98 years. At the end of Q2 2026 it reported $309.9M in total assets and $269.7M in deposits, with 5 offices.

Security Bank has a TellerScore of 78 out of 100 (strong) based on Q2 2026 data — higher than 72% of its 2,650 banks with $100 million – $1 billion. Among 139 banks headquartered in Nebraska, it ranks 49th. Problem-loan coverage contributes the most (93/100, 3.5%); funding & liquidity contributes the least (62/100, 84% loans-to-deposits, 28% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion83/100
Tier 1 leverage ratio: 13.28%
Loan quality79/100
Noncurrent loans ÷ total loans: 0.63%
Earnings74/100
Return on assets (annualized): 1.34%
Funding & liquidity62/100
Loans ÷ deposits and uninsured-deposit share: 83.6% · 27.9% uninsured
Problem-loan coverage93/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 3.50%

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 fell 5 points (83 → 78), mostly because the loan quality component weakened by 21 points.

TellerScore
748085Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202484
Q3 202485
Q4 202481
Q1 202583
Q2 202583
Q3 202581
Q4 202581
Q1 202674
Q2 202678
Tier 1 leverage ratio
5.00%9.14%13.28%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202412.68%
Q3 202412.87%
Q4 202412.43%
Q1 202512.53%
Q2 202512.49%
Q3 202512.74%
Q4 202512.41%
Q1 202612.67%
Q2 202613.28%
Noncurrent loans
0.00%0.35%0.69%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.02%
Q4 20240.03%
Q1 20250.06%
Q2 20250.00%
Q3 20250.06%
Q4 20250.00%
Q1 20260.69%
Q2 20260.63%
Return on assets
1.02%1.20%1.38%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.36%
Q3 20241.38%
Q4 20241.31%
Q1 20251.27%
Q2 20251.25%
Q3 20251.25%
Q4 20251.22%
Q1 20261.02%
Q2 20261.34%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202678$309.9M13.28%0.63%1.34%83.6%
Q1 202674$316.0M12.67%0.69%1.02%81.2%
Q4 202581$321.5M12.41%0.00%1.22%77.8%
Q3 202581$311.9M12.74%0.06%1.25%75.5%
Q2 202583$318.4M12.49%0.00%1.25%73.5%
Q1 202583$316.6M12.53%0.06%1.27%73.2%
Q4 202481$318.0M12.43%0.03%1.31%75.3%
Q3 202485$303.0M12.87%0.02%1.38%73.4%
Q2 202484$305.9M12.68%0.00%1.36%72.8%

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 ratio13.28%
77th
Total risk-based capital16.79%
77th
Problem loans0.63%
40th
Net charge-offs0.14%
16th
Return on assets1.34%
56th
Net interest margin4.12%
60th
Efficiency ratio64.9%
43rd
Loans to deposits83.6%
41st
Uninsured deposits27.9%
35th
Loan-loss reserves1.10%
39th
Texas ratio3.5%
44th

Similar-size banks in Nebraska

InstitutionScoreAssetsCapitalProblem loansCompare
The Tri-County BankBank Stuart, NE72 out of 100, Strong$299.3M8.4%0.01%vs
City Bank & Trust Co.Bank Lincoln, NE58 out of 100, Moderate$323.2M10.0%0.96%vs
Nebraska State Bank and Trust CompanyBank Broken Bow, NE88 out of 100, Very strong$285.8M13.0%0.00%vs
Pathway BankBank Cairo, NE54 out of 100, Below average$338.1M12.4%3.85%vs
First Community BankBank Beemer, NE66 out of 100, Moderate$342.3M9.1%0.40%vs
Premier Bank National AssociationBank Omaha, NE71 out of 100, Strong$342.4M12.6%1.21%vs

Deposit insurance

Is my money safe at Security Bank?

Yes. Security Bank is an FDIC-insured institution (FDIC certificate #5424). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 27.9% of deposits ($75.2M) 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 13.28%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.79% (benchmark: 10%).

Check how much of your own balance is covered

5 locations

Branches

Security Bank lists 5 offices in 5 cities. Most locations:

  • Allen, NE (1)
  • Coleridge, NE (1)
  • Hartington, NE (1)
  • Laurel, NE (1)
  • Osmond, NE (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Security Bank reported 47 home-loan applications under HMDA (LEI 549300NIXL7EJEGA5V78): 36 originated ($7,320,000 total), 6 denied, and 3 withdrawn or closed by the applicant. Its denial rate on decided applications was 13.6%, 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
Security Bank
Former names
Security National Bank; The Security National Bank of Laurel
Type
State-chartered bank (Fed member)
FDIC certificate #
5424
RSSD ID
566056
Primary regulator
FED
Holding company
Employee Stk Ownership Plan Accounts Tr Security Bk Ksop&tr
Established
March 6, 1928
Headquarters
202 E 2nd St, Laurel, NE 68745
Employees
45

Quick answers

Security Bank: common questions

Is Security Bank FDIC insured?

Yes. Security Bank is an FDIC-insured institution (FDIC certificate #5424). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Security Bank's TellerScore?

78 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 Security Bank ever failed?

There is no failure record for FDIC certificate #5424 in the FDIC failed bank list.

How many branches does Security Bank have?

5 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Laurel

InstitutionScoreAssetsCapitalProblem loansCompare
Homestead BankBank Cozad, NE91 out of 100, Very strong$537.0M18.6%0.20%vs
First Northeast Bank of NebraskaBank Lyons, NE88 out of 100, Very strong$472.6M13.5%0.22%vs
Cedar Security BankBank Fordyce, NE87 out of 100, Very strong$62.1M18.0%0.96%vs
BankFirstBank Norfolk, NE85 out of 100, Very strong$1.2B15.3%0.84%vs
Madison County BankBank Madison, NE85 out of 100, Very strong$613.2M15.1%0.37%vs
F&M BankBank West Point, NE83 out of 100, Strong$354.6M11.8%0.07%vs