TellerScore

Headquartered in Kenyon, Minnesota, Security State Bank of Kenyon is a state-chartered bank with $72.2M in total assets and $63.2M in deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1934.

Security State Bank of Kenyon has a TellerScore of 76 out of 100 (strong) based on Q2 2026 data — higher than 56% of its 546 banks with under $100 million in assets. Among 223 banks headquartered in Minnesota, it ranks 58th. Problem-loan coverage contributes the most (96/100, 2.1%); earnings contributes the least (54/100, 0.86%).

TellerScore · Q2 2026

Scorecard

Capital cushion76/100
Tier 1 leverage ratio: 12.56%
Loan quality88/100
Noncurrent loans ÷ total loans: 0.36%
Earnings54/100
Return on assets (annualized): 0.86%
Funding & liquidity75/100
Loans ÷ deposits and uninsured-deposit share: 85.4% · 9.6% uninsured
Problem-loan coverage96/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.09%

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 6 points (82 → 76), mostly because the loan quality component weakened by 12 points.

TellerScore
557084Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202464
Q3 202455
Q4 202466
Q1 202563
Q2 202582
Q3 202583
Q4 202584
Q1 202675
Q2 202676
Tier 1 leverage ratio
5.00%9.12%13.23%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202412.35%
Q3 202412.72%
Q4 202412.29%
Q1 202512.76%
Q2 202513.21%
Q3 202513.23%
Q4 202513.18%
Q1 202612.66%
Q2 202612.56%
Noncurrent loans
0.00%1.33%2.66%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.63%
Q3 20242.66%
Q4 20240.98%
Q1 20251.84%
Q2 20250.00%
Q3 20250.00%
Q4 20250.01%
Q1 20260.28%
Q2 20260.36%
Return on assets
0.42%0.70%0.99%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.99%
Q3 20240.91%
Q4 20240.47%
Q1 20250.91%
Q2 20250.88%
Q3 20250.97%
Q4 20250.98%
Q1 20260.42%
Q2 20260.86%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202676$72.2M12.56%0.36%0.86%85.4%
Q1 202675$71.2M12.66%0.28%0.42%82.8%
Q4 202584$72.2M13.18%0.01%0.98%77.5%
Q3 202583$67.5M13.23%0.00%0.97%84.9%
Q2 202582$67.1M13.21%0.00%0.88%86.0%
Q1 202563$67.6M12.76%1.84%0.91%84.9%
Q4 202466$70.1M12.29%0.98%0.47%82.8%
Q3 202455$68.1M12.72%2.66%0.91%84.8%
Q2 202464$70.0M12.35%1.63%0.99%84.6%

546 peers · Under $100 million in assets

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 ratio12.56%
48th
Total risk-based capital16.78%
67th
Problem loans0.36%
51st
Net charge-offs-0.02%
87th
Return on assets0.86%
43rd
Net interest margin4.49%
74th
Efficiency ratio75.3%
41st
Loans to deposits85.4%
21st
Uninsured deposits9.6%
79th
Loan-loss reserves1.03%
35th
Texas ratio2.1%
49th

Similar-size banks in Minnesota

InstitutionScoreAssetsCapitalProblem loansCompare
Farmers State Bank of TrimontBank Trimont, MN70 out of 100, Strong$73.1M17.4%1.05%vs
Bonanza Valley State BankBank Brooten, MN68 out of 100, Moderate$74.8M9.7%0.06%vs
State Bank of ChandlerBank Chandler, MN74 out of 100, Strong$68.7M11.6%0.95%vs
Elysian BankBank Elysian, MN79 out of 100, Strong$76.0M12.2%0.74%vs
Randall State BankBank Randall, MN56 out of 100, Moderate$76.4M10.7%2.30%vs
Grand Timber BankBank Mcgregor, MN48 out of 100, Below average$64.5M10.7%2.81%vs

Deposit insurance

Is my money safe at Security State Bank of Kenyon?

Yes. Security State Bank of Kenyon is an FDIC-insured institution (FDIC certificate #15597). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 9.6% of deposits ($6.0M) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 12.56%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.78% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

Security State Bank of Kenyon lists 1 office in 1 city. Most locations:

  • Kenyon, MN (1)

All branch addresses and map

Identity & history

Profile

Legal name
Security State Bank of Kenyon
Type
State-chartered bank
FDIC certificate #
15597
RSSD ID
984454
Primary regulator
FDIC
Holding company
Ellingson Corp
Established
July 23, 1934
Headquarters
602 2nd St, Kenyon, MN 55946
Employees
13

Quick answers

Security State Bank of Kenyon: common questions

Is Security State Bank of Kenyon FDIC insured?

Yes. Security State Bank of Kenyon is an FDIC-insured institution (FDIC certificate #15597). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Security State Bank of Kenyon's TellerScore?

76 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 State Bank of Kenyon ever failed?

There is no failure record for FDIC certificate #15597 in the FDIC failed bank list.

How many branches does Security State Bank of Kenyon have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Kenyon

InstitutionScoreAssetsCapitalProblem loansCompare
Castle Rock BankBank Castle Rock, MN93 out of 100, Very strong$293.5M14.2%0.01%vs
Security State Bank of WanamingoBank Wanamingo, MN84 out of 100, Strong$112.7M11.4%0.00%vs
Federated Employees Credit UnionCredit union Owatonna, MN82 out of 100, Strong$66.7M13.2%0.19%vs
Premier Bank MinnesotaBank Hastings, MN77 out of 100, Strong$691.5M10.0%0.04%vs
First Farmers & Merchants BankBank Cannon Falls, MN77 out of 100, Strong$486.4M10.1%0.01%vs
Keen Bank, National AssociationBank Waseca, MN76 out of 100, Strong$201.1M8.4%0.06%vs