Security Stb of Kenyon
Kenyon, Minnesota · FDIC Cert #15597
This is the FDIC profile for Security Stb of Kenyon, an FDIC-insured bank (Certificate #15597) with $70M in total assets and $60M in total deposits per its most recent FDIC Call Report filing (Q2 2024). Headquartered in Kenyon, Minnesota, the bank maintains a Tier 1 capital ratio of 15.98% (Well-Capitalized) and a nonperforming loan ratio of 1.63%. BankHealthData assigns a composite Health Grade of B (74/100) based on quarterly FDIC filings. All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Security Stb of Kenyon (FDIC cert 15597) is a community bank — $70M in total assets, $60M in deposits, serving the Kenyon, Minnesota area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 15.98% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is normal: non-performing loan ratio of 1.63% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is in the normal range: 17.0% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is solid: ROA of 1.12% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is improving: the bank's composite score is up materially over the most recent quarters in the dataset. Improving trends usually reflect either capital strengthening, asset-quality recovery, or sustained profitability gains. Security Stb of Kenyon carries a composite BankHealth grade of B (74/100) 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 Stb of Kenyon
- Total Assets
- $70M
- Total Deposits
- $60M
- Tier 1 Capital Ratio
- 15.98%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 1.63%
- Liquidity Ratio
- 17.02%
- Return on Assets
- 1.12%
- Headquarters
- Kenyon, Minnesota
- FDIC Certificate
- #15597
- Health Grade
- B (74/100)
- Latest Call Report
- Q2 2024
FDIC Filings & Call Report Data
Security Stb of Kenyon files quarterly Call Reports with the FDIC under Certificate #15597. The figures on this page reflect the Q2 2024 Call Report, which is the most recent FDIC filing currently available. Historical filings and Uniform Bank Performance Reports (UBPR) are accessible directly from the FDIC BankFind directory and the FFIEC Central Data Repository.
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Capital & Safety Analysis
According to FDIC financial data, Security Stb of Kenyon holds a Tier 1 capital ratio of 15.98%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Security Stb of Kenyon has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Security Stb of Kenyon shows strong financial health indicators. With $70M in assets and a Health Score of 74/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
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 Stb of Kenyon Compares
Security Stb of Kenyon’s Health Score of 74 is 6 points below the Minnesota state average of 80 across 225 FDIC-insured banks. Its 15.98% Tier 1 capital ratio is 2.0 points above the US banking industry average near 14%. The 1.63% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 1.12% is in line with or above the national ROA benchmark of ~1.1%. Among 799 similarly-sized banks, the average Health Score is 82, meaning this bank ranks below its size cohort. Site-wide, Security Stb of Kenyon is 6 points below the portfolio average of 80.
Frequently Asked Questions
Security Stb of Kenyon has a Bank Health Score of B (74/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 15.98%, which is above 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 Stb of Kenyon's Tier 1 capital ratio of 15.98% and nonperforming loan ratio of 1.63% indicate a low 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 Stb of Kenyon is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #15597). 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 Stb of Kenyon holds $70M in total assets and $60M in total deposits. It is headquartered in Kenyon, Minnesota (FDIC Certificate #15597).
Security Stb of Kenyon's FDIC filings — including quarterly Call Reports and Uniform Bank Performance Reports — are filed under FDIC Certificate #15597 and available through the FDIC BankFind directory and the FFIEC Central Data Repository. The data on this page reflects the Q2 2024 Call Report.
Security Stb of Kenyon has a Tier 1 capital ratio of 15.98%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 1.63%, and the return on assets is 1.12%.
Yes. Security Stb of Kenyon is FDIC-insured (Certificate #15597). 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 B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Security Stb of Kenyon's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.