Security Nb of South Dakota Safety Rating
Security Nb of South Dakota's safety rating is grade A, a Bank Health Score of 94/100 built from FDIC call report data. That ranks #570 out of 3,960 FDIC-insured banks nationally (top 14%). The rating weights Tier 1 capital (35%), loan quality (30%), liquidity (25%), and profitability (10%); Security Nb of South Dakota's best component is loan quality (100/100) and its weakest is liquidity (85/100).
This page answers a common banking-safety question: Security Nb of South Dakota Safety Rating. The answer draws on FDIC Call Report filings, the quarterly disclosure every FDIC-insured bank submits covering capital, assets, loans, deposits, and earnings. Call Report data is one of the most comprehensive bank-level public-records systems in the U.S. financial system. Why this matters for depositors: most U.S. consumer deposits are FDIC-insured up to $250,000 per depositor per insured bank, so bank failure does not directly threaten typical retail deposits within that limit. But the bank-health analysis is still useful for above-limit deposits (small businesses, treasurers, high-net-worth depositors) and for understanding the broader stability of regional banking.
The detailed answer below uses the actual FDIC Call Report numbers, explains how to read them, and translates the regulatory accounting into the depositor-relevant interpretation of the question.
Security Nb of South Dakota Safety Rating Breakdown
- Overall rating
- Grade A (94/100)
- National rank
- #570 of 3,960
- Tier 1 capital (35%)
- 94/100
- Loan quality (30%)
- 100/100
- Liquidity (25%)
- 85/100
- Profitability (10%)
- 100/100
Source: FDIC Call Report data. The BankHealth safety rating is an editorial composite, not an official regulatory rating.
A grade A rating places Security Nb of South Dakota among the stronger FDIC-insured banks on the composite — strong capital with manageable risk on the other factors. Nationally it ranks in roughly the top 14% of the 3,960 banks we score.
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 14.17% | 94/100 |
| Nonperforming Loan Ratio | 0.00% | 100/100 |
| Liquidity Ratio | 26.31% | 85/100 |
| Return on Assets | 2.33% | 100/100 |
| Total Assets | $0.2B | |
How does Security Nb of South Dakota compare?
With a Bank Health Score of 94/100, Security Nb of South Dakota sits 14.0 points above the national average of 80/100 for FDIC-insured banks. Within South Dakota, where 47 FDIC-insured banks are headquartered, Security Nb of South Dakota ranks above the state average of 84/100 (Grade A).
The bank's Tier 1 capital ratio of 14.17% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold. Its nonperforming loan ratio of 0.00% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Security Nb of South Dakota's Bank Health Score fell by 5.0 points to 94/100. Tier 1 capital weakened by 0.45 percentage points to 14.17%. Quarter-over-quarter, the score fell by 3.0 points.
Frequently Asked Questions
Security Nb of South Dakota's safety rating is grade A, a Bank Health Score of 94/100 built from FDIC call report data. That ranks #570 out of 3,960 FDIC-insured banks nationally (top 14%). The rating weights Tier 1 capital (35%), loan quality (30%), liquidity (25%), and profitability (10%); Security Nb of South Dakota's best component is loan quality (100/100) and its weakest is liquidity (85/100).
The BankHealth safety rating converts four FDIC call report metrics into a single 0-100 score and an A-F grade. It weights Tier 1 capital ratio (35%), the inverted nonperforming-loan ratio (30%), liquidity ratio (25%), and return on assets (10%). For Security Nb of South Dakota: Tier 1 capital scores 94/100, loan quality 100/100, liquidity 85/100, and profitability 100/100 — combining to 94/100 (grade A).
Security Nb of South Dakota's Bank Health Score of 94/100 is 10.0 points above the South Dakota state average of 84/100. 47 FDIC-insured banks are headquartered in South Dakota.
Yes. Security Nb of South Dakota (FDIC certificate #34394) is FDIC-insured, meaning each depositor is covered up to $250,000 per ownership category if the bank fails. FDIC insurance protects checking, savings, money market, and CD deposits — it does not cover stocks, bonds, mutual funds, or annuities.
More about Security Nb of South Dakota
Security Nb of South Dakota's safety rating is grade A, a Bank Health Score of 94/100 built from FDIC call report data. That ranks #570 out of 3,960 FDIC-insured banks nationally (top 14%). The rating weights Tier 1 capital (35%), loan quality (30%), liquidity (25%), and profitability (10%); Security Nb of South Dakota's best component is loan quality (100/100) and its weakest is liquidity (85/100).