Security Nb of Sioux City Ia
Sioux City, Iowa · FDIC Cert #4506
Security Nb of Sioux City Ia is an FDIC-insured bank (Certificate #4506) with $1.6B in total assets and $1.2B in total deposits as of the Q2 2024 Call Report. Headquartered in Sioux City, Iowa, the bank maintains a Tier 1 capital ratio of 0.00% (Critically Undercapitalized) and a nonperforming loan ratio of 0.05%. BankHealthData assigns a composite Health Grade of C (64/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Security Nb of Sioux City Ia (FDIC cert 4506) is a mid-sized bank with $1.6B in total assets and $1.2B in deposits, based in Sioux City, Iowa. Mid-sized banks typically operate regionally with a mix of commercial and consumer lending.
Tier 1 capital ratio is not disclosed in the most recent Call Report — unusual but possible for new institutions or those filing under specific regulatory exemptions. Asset quality is clean: non-performing loan ratio of 0.05% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is comfortable: 30.8% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is strong: return on assets of 1.92% is well above the 1.0% benchmark most analysts use as the threshold for a healthy bank. Strong ROA usually reflects disciplined cost management, healthy net interest margins, or both. Health-score trend is essentially stable across the recent-quarters window — the typical pattern for established banks operating in steady-state mode. Security Nb of Sioux City Ia carries a composite BankHealth grade of C (64/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Security Nb of Sioux City Ia
- Total Assets
- $1.6B
- Total Deposits
- $1.2B
- Tier 1 Capital Ratio
- 0.00%
- Capital Status
- Critically Undercapitalized
- Nonperforming Loans
- 0.05%
- Liquidity Ratio
- 30.78%
- Return on Assets
- 1.92%
- Headquarters
- Sioux City, Iowa
- FDIC Certificate
- #4506
- Health Grade
- C (64/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Security Nb of Sioux City Ia holds a Tier 1 capital ratio of 0.00%. This falls below the 6% threshold regulators require, which may subject Security Nb of Sioux City Ia to additional regulatory scrutiny.
Key Financial Metrics
What This Means For Your Money
Security Nb of Sioux City Ia shows average financial health. While not alarming, its Health Score of 64/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Security Nb of Sioux City Ia Compares
Security Nb of Sioux City Ia’s Health Score of 64 is 4 points below the Iowa state average of 68 across 162 FDIC-insured banks. Its 0.00% Tier 1 capital ratio is 14.0 points below the US banking industry average near 14%. The 0.05% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 1.92% is in line with or above the national ROA benchmark of ~1.1%. Among 760 similarly-sized banks, the average Health Score is 71, meaning this bank ranks below its size cohort. Site-wide, Security Nb of Sioux City Ia is 6 points below the portfolio average of 70.
Frequently Asked Questions
Security Nb of Sioux City Ia has a Bank Health Score of C (64/100), placing it in average financial health. It holds a Tier 1 capital ratio of 0.00%, which is below the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Security Nb of Sioux City Ia's Tier 1 capital ratio of 0.00% and nonperforming loan ratio of 0.05% indicate an average risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Security Nb of Sioux City Ia is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #4506). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Security Nb of Sioux City Ia holds $1.6B in total assets and $1.2B in total deposits. It is headquartered in Sioux City, Iowa (FDIC Certificate #4506).
Security Nb of Sioux City Ia has a Tier 1 capital ratio of 0.00%, classifying it as "Critically Undercapitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.05%, and the return on assets is 1.92%.
Yes. Security Nb of Sioux City Ia is FDIC-insured (Certificate #4506). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An C grade on our Bank Health Score means 55-69/100 — average across capital, loan quality, and profitability. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Security Nb of Sioux City Ia's metrics are around average for the industry. There's no urgent action needed for FDIC-insured deposits, but it's worth monitoring quarterly updates. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.