Headquartered in Emery, South Dakota, The Security State Bank is a state-chartered bank with $64.8M in total assets and $52.2M in deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1920.
Based on its Q2 2026 filing, The Security State Bank scores 99/100, which we describe as very strong. That is higher than 99% of 546 banks with under $100 million in assets. Among 56 banks headquartered in South Dakota, it ranks 1st. Its strongest component is capital cushion (100/100; 19.51%), and its lowest is funding & liquidity (91/100; 32% loans-to-deposits, 24% uninsured).
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
The score has been essentially flat from Q2 2025 to Q2 2026 (99 → 99).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 98 |
| Q3 2024 | 98 |
| Q4 2024 | 98 |
| Q1 2025 | 100 |
| Q2 2025 | 99 |
| Q3 2025 | 99 |
| Q4 2025 | 100 |
| Q1 2026 | 99 |
| Q2 2026 | 99 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 16.80% |
| Q3 2024 | 17.47% |
| Q4 2024 | 17.83% |
| Q1 2025 | 18.31% |
| Q2 2025 | 18.47% |
| Q3 2025 | 18.82% |
| Q4 2025 | 18.97% |
| Q1 2026 | 19.55% |
| Q2 2026 | 19.51% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.02% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.02% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.91% |
| Q3 2024 | 1.86% |
| Q4 2024 | 1.80% |
| Q1 2025 | 2.27% |
| Q2 2025 | 2.29% |
| Q3 2025 | 2.10% |
| Q4 2025 | 2.22% |
| Q1 2026 | 2.03% |
| Q2 2026 | 1.99% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 99 | $64.8M | 19.51% | 0.00% | 1.99% | 32.1% |
| Q1 2026 | 99 | $61.8M | 19.55% | 0.00% | 2.03% | 37.7% |
| Q4 2025 | 100 | $61.1M | 18.97% | 0.00% | 2.22% | 40.3% |
| Q3 2025 | 99 | $59.8M | 18.82% | 0.00% | 2.10% | 38.2% |
| Q2 2025 | 99 | $61.5M | 18.47% | 0.02% | 2.29% | 36.4% |
| Q1 2025 | 100 | $58.6M | 18.31% | 0.00% | 2.27% | 35.8% |
| Q4 2024 | 98 | $57.9M | 17.83% | 0.00% | 1.80% | 36.7% |
| Q3 2024 | 98 | $58.5M | 17.47% | 0.02% | 1.86% | 35.1% |
| Q2 2024 | 98 | $60.2M | 16.80% | 0.00% | 1.91% | 33.7% |
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).
Similar-size banks in South Dakota
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Western Federal Savings BankBank Rapid City, SD | 92 out of 100, Very strong | $63.5M | 18.1% | 0.00% | vs |
| Community BankBank Avon, SD | 76 out of 100, Strong | $69.3M | 12.2% | 0.60% | vs |
| Sunrise Bank DakotaBank Onida, SD | 83 out of 100, Strong | $57.5M | 13.0% | 0.00% | vs |
| Ipswich State BankBank Ipswich, SD | 86 out of 100, Very strong | $74.2M | 15.5% | 1.31% | vs |
| Bryant State BankBank Bryant, SD | 80 out of 100, Strong | $52.9M | 11.6% | 0.40% | vs |
| Richland State BankBank Bruce, SD | 90 out of 100, Very strong | $49.6M | 12.3% | 0.15% | vs |
Deposit insurance
Is my money safe at The Security State Bank?
Yes. The Security State Bank is an FDIC-insured institution (FDIC certificate #15749). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 23.7% of deposits ($12.4M) are above the $250,000 FDIC insurance limit, above the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 19.51%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 43.97% (benchmark: 10%).
2 locations
Branches
The Security State Bank lists 2 offices in 2 cities. Most locations:
- Canistota, SD (1)
- Emery, SD (1)
Identity & history
Profile
- Legal name
- The Security State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 15749
- RSSD ID
- 285553
- Primary regulator
- FDIC
- Holding company
- Emery Security Bcorp Inc
- Established
- January 1, 1920
- Headquarters
- 117 N 3rd St, Emery, SD 57332
- Website
- www.thesecuritystatebank.com
- Employees
- 7
Quick answers
The Security State Bank: common questions
Is The Security State Bank FDIC insured?
Yes. The Security State Bank is an FDIC-insured institution (FDIC certificate #15749). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Security State Bank's TellerScore?
99 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has The Security State Bank ever failed?
There is no failure record for FDIC certificate #15749 in the FDIC failed bank list.
How many branches does The Security State Bank have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Emery
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Merchants State BankBank Freeman, SD | 91 out of 100, Very strong | $219.6M | 17.3% | 0.32% | vs |
| Farmers State BankBank Parkston, SD | 76 out of 100, Strong | $254.8M | 10.0% | 0.00% | vs |
| First Dakota National BankBank Yankton, SD | 72 out of 100, Strong | $3.4B | 10.4% | 0.30% | vs |
| Rivers Edge BankBank Marion, SD | 68 out of 100, Moderate | $357.1M | 8.3% | 0.16% | vs |
| CorTrust Bank National AssociationBank Mitchell, SD | 62 out of 100, Moderate | $1.6B | 9.9% | 0.70% | vs |
| First Interstate BankBank Billings, MT | 62 out of 100, Moderate | $25.8B | 9.4% | 1.12% | vs |