Security Trust & Savings Bank is a state-chartered bank (fed member) headquartered in Storm Lake, Iowa, in business for about 118 years. At the end of Q2 2026 it reported $266.4M in total assets and $239.4M in deposits, with 3 offices.
Security Trust & Savings Bank has a TellerScore of 70 out of 100 (strong) based on Q2 2026 data — higher than only 43% of its 2,650 banks with $100 million – $1 billion. Among 226 banks headquartered in Iowa, it ranks 135th. Problem-loan coverage contributes the most (96/100, 2.2%); capital cushion contributes the least (54/100, 10.41%).
TellerScore · Q2 2026
Scorecard
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 4 points (66 → 70), mostly because the earnings component improved by 12 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 69 |
| Q3 2024 | 62 |
| Q4 2024 | 62 |
| Q1 2025 | 64 |
| Q2 2025 | 66 |
| Q3 2025 | 67 |
| Q4 2025 | 67 |
| Q1 2026 | 69 |
| Q2 2026 | 70 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.67% |
| Q3 2024 | 9.77% |
| Q4 2024 | 9.39% |
| Q1 2025 | 9.79% |
| Q2 2025 | 9.71% |
| Q3 2025 | 10.14% |
| Q4 2025 | 9.84% |
| Q1 2026 | 10.27% |
| Q2 2026 | 10.41% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.04% |
| Q3 2024 | 0.73% |
| Q4 2024 | 0.68% |
| Q1 2025 | 0.94% |
| Q2 2025 | 0.76% |
| Q3 2025 | 0.77% |
| Q4 2025 | 0.71% |
| Q1 2026 | 0.79% |
| Q2 2026 | 0.78% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.44% |
| Q3 2024 | 0.40% |
| Q4 2024 | 0.48% |
| Q1 2025 | 0.86% |
| Q2 2025 | 0.96% |
| Q3 2025 | 1.00% |
| Q4 2025 | 1.01% |
| Q1 2026 | 1.18% |
| Q2 2026 | 1.24% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 70 | $266.4M | 10.41% | 0.78% | 1.24% | 32.7% |
| Q1 2026 | 69 | $283.7M | 10.27% | 0.79% | 1.18% | 30.4% |
| Q4 2025 | 67 | $274.9M | 9.84% | 0.71% | 1.01% | 32.6% |
| Q3 2025 | 67 | $282.5M | 10.14% | 0.77% | 1.00% | 29.0% |
| Q2 2025 | 66 | $268.6M | 9.71% | 0.76% | 0.96% | 31.2% |
| Q1 2025 | 64 | $282.0M | 9.79% | 0.94% | 0.86% | 30.1% |
| Q4 2024 | 62 | $271.3M | 9.39% | 0.68% | 0.48% | 31.8% |
| Q3 2024 | 62 | $283.6M | 9.77% | 0.73% | 0.40% | 28.6% |
| Q2 2024 | 69 | $263.2M | 9.67% | 0.04% | 0.44% | 31.0% |
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).
Similar-size banks in Iowa
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Westside State BankBank Westside, IA | 51 out of 100, Below average | $268.7M | 8.8% | 1.57% | vs |
| Freedom Financial BankBank West Des Moines, IA | 68 out of 100, Moderate | $269.3M | 9.3% | 0.00% | vs |
| Mediapolis Savings BankBank Mediapolis, IA | 71 out of 100, Strong | $269.9M | 10.2% | 0.39% | vs |
| Cherokee State BankBank Cherokee, IA | 83 out of 100, Strong | $271.1M | 13.0% | 0.00% | vs |
| Farmers and Merchants State BankBank Winterset, IA | 78 out of 100, Strong | $271.7M | 10.7% | 0.00% | vs |
| FNB BankBank Fontanelle, IA | 91 out of 100, Very strong | $274.6M | 14.5% | 0.02% | vs |
Deposit insurance
Is my money safe at Security Trust & Savings Bank?
Yes. Security Trust & Savings Bank is an FDIC-insured institution (FDIC certificate #968). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 34.1% of deposits ($81.6M) 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 10.41%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 33.02% (benchmark: 10%).
3 locations
Branches
Security Trust & Savings Bank lists 2 offices in 2 cities. Most locations:
- Rembrandt, IA (1)
- Storm Lake, IA (1)
Identity & history
Profile
- Legal name
- Security Trust & Savings Bank
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 968
- RSSD ID
- 363648
- Primary regulator
- FED
- Holding company
- Storm Lake Security Bcorp
- Established
- January 1, 1908
- Headquarters
- 601 Lake Street, Storm Lake, IA 50588
- Website
- www.securitybanksl.com
- Employees
- 19
Quick answers
Security Trust & Savings Bank: common questions
Is Security Trust & Savings Bank FDIC insured?
Yes. Security Trust & Savings Bank is an FDIC-insured institution (FDIC certificate #968). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Security Trust & Savings Bank's TellerScore?
70 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 Trust & Savings Bank ever failed?
There is no failure record for FDIC certificate #968 in the FDIC failed bank list.
How many branches does Security Trust & Savings Bank have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Storm Lake
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Citizens First National Bank of Storm LakeBank Storm Lake, IA | 99 out of 100, Very strong | $256.5M | 15.9% | 0.03% | vs |
| Citizens Community Credit UnionCredit union Fort Dodge, IA | 88 out of 100, Very strong | $253.6M | 19.1% | 0.73% | vs |
| Cherokee State BankBank Cherokee, IA | 83 out of 100, Strong | $271.1M | 13.0% | 0.00% | vs |
| West Iowa BankBank West Bend, IA | 82 out of 100, Strong | $222.1M | 11.9% | 0.01% | vs |
| Iowa State BankBank Hull, IA | 78 out of 100, Strong | $1.3B | 11.7% | 0.06% | vs |
| The Shelby County State BankBank Harlan, IA | 74 out of 100, Strong | $523.6M | 10.0% | 0.40% | vs |