Security Bank & Trust Company

Security Bank & Trust Company is headquartered in Glencoe and is the 62^nd largest bank in the state of Minnesota. It is also the 2,618^st largest bank in the nation. It was established in 1935 and as of March of 2012, it had grown to 50 employees at 7 locations. Security Bank & Trust Company has a 4-star health rating.

Data for Q1 2012

Security Bank & Trust Company consists of multiple companies with separate FDIC numbers. Click on an FDIC number to view the health for that company:

15324 - Security Bank & Trust Company
24173 - Security Bank Waconia

Institution Statistics Security Bank & Trust Company FDIC Certificate # 15324 BankRate Report View Year Established 1935 Employees 50 Primary Regulator FDIC Assets and Liabilities Assets $245.70 million Loans $130.41 million Deposits $219.67 million Equity Capital $21.27 million Loan Loss Allowance $3.34 million Unbacked Noncurrent Loans $1.51 million Real Estate Owned $4.31 million Historic Data - March 2011 Assets $227.90 million Equity Capital $19.40 million Loan Loss Allowance $3.65 million Unbacked Noncurrent Loans $3.17 million Real Estate Owned $5.43 million Profit Margin - Quarterly Net Interest Margin 3.2% Return on Assets 1.48% Return on Equity 17.18% Interest Income $2.34 million

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Security Bank & Trust Company had $5.82 million in non-current loans and owned real-estate with $24.61 million in equity and loan loss allowances on hand to cover it. This gives Security Bank & Trust Company a Texas Ratio of 23.64% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Security Bank & Trust Company decreased slightly from 37.31% as of March 31, 2011 to 23.64% as of March 31, 2012, resulting in a positive change of 36.64%.This indicates that the balance sheet and financial strength for Security Bank & Trust Company has improved slightly in recent periods. Deposit Growth In the past year, Security Bank & Trust Company has increased its total deposits by $17.22 million, resulting in 8.51% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Security Bank & Trust Company has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Security Bank & Trust Company has $245.7 million in assets with $24.61 million in equity, resulting in a capitalization level of 10.02%, which is above average.

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