Side-by-side · Q2 2026 data
Security Bank USA vs The First National Bank of Bemidji
Metric by metric
| Measure | Security Bank USA | The First National Bank of Bemidji |
|---|---|---|
| TellerScore | 77 (stronger) | 62 |
| Capital cushion | 44 | 61 (stronger) |
| Loan quality | 93 (stronger) | 34 |
| Earnings | 94 (stronger) | 77 |
| Funding & liquidity | 80 | 85 (stronger) |
| Problem-loan coverage | 97 (stronger) | 72 |
| Peer percentile | 68th | 27th |
| Total assets | $263.9M | $1.1B |
| Deposits / shares | $238.8M | $844.4M |
| Capital ratio | 9.36% | 11.14% (stronger) |
| Problem loans | 0.22% (stronger) | 1.99% |
| Net charge-offs | 0.05% | 0.00% (stronger) |
| Return on assets | 1.84% (stronger) | 1.42% |
| Loans ÷ deposits | 80.6% | 64.6% (stronger) |
| Uninsured deposits | 13.7% (stronger) | 24.6% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Security Bank USA has the higher TellerScore (77 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Security Bank USA leads on 4 and The First National Bank of Bemidji on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.