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.

From Q2 2025 to Q2 2026, the score rose 3 points (71 → 74), mostly because the earnings component improved by 21 points.

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

Similar-size banks in Minnesota

Yes. Security Bank & Trust Company is an FDIC-insured institution (FDIC certificate #15324). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 40.9% of deposits ($490.6M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.37%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.96% (benchmark: 10%).

Check how much of your own balance is covered

Security Bank & Trust Company lists 19 offices in 15 cities. Most locations:

• Cambridge, MN (2)
• Glencoe, MN (2)
• Waconia, MN (2)
• Wayzata, MN (2)
• Brownton, MN (1)
• Chaska, MN (1)
• Cologne, MN (1)
• Eden Prairie, MN (1)
• Hamburg, MN (1)
• Isanti, MN (1)
• New Auburn, MN (1)
• New Germany, MN (1)

All branch addresses and map

Over the last three years, the CFPB forwarded 124 consumer complaints about FLAGSHIP FINANCIAL GROUP LLC to the company (124 in the last 12 months). 100.0% received a timely response. That is 103.3 complaints per $1 billion of deposits, versus a median of 8.5 among institutions with complaint data.

Complaint counts reflect volume, not validity: the CFPB does not verify complaints, and large institutions receive more because they serve more customers. Complaints are filed under the parent company name, which may cover affiliates.

Complaint breakdown by product and issue

In 2025, Security Bank & Trust Company reported 119 home-loan applications under HMDA (LEI 254900J2U7OF6AWF3P54): 114 originated ($45,920,000 total), 3 denied, and 2 withdrawn or closed by the applicant. Its denial rate on decided applications was 2.6%, 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.

Legal name

Security Bank & Trust Company

Former names

Security State Bank of Glencoe

Type

State-chartered bank

FDIC certificate #

15324

RSSD ID

1001059

Primary regulator

FDIC

Holding company

Flagship Financial Group Inc

Established

October 12, 1935

Headquarters

735 11th St E, Glencoe, MN 55336

Website

www.security-banks.com

Employees

154