Security National Bank of South Dakota

Chartered Bank Active FDIC Insured
Health Score
10.0 / 10

325 Dakota Dunes Blvd, Dakota Dunes, SD 57049

Financial Overview

Total Assets $253.2M
Total Deposits $196.8M
Profitability (ROA) 2.50%
Shareholder Return (ROE) 18.92%
Capital Cushion (Eq/Assets) 13.07%
Established 05/01/1997

Financial Health Analysis

Security National Bank of South Dakota is a currently active commercial lending specialization banking institution headquartered in Dakota Dunes, South Dakota. Established in 05/01/1997, this institution operates under regulatory supervision and is fully insured by the FDIC.

As a financial institution, Security National Bank of South Dakota manages $253.2M in total assets and holds $196.8M in customer deposits. When evaluating the stability of Security National Bank of South Dakota, one of the most critical metrics is its Capital Cushion (Equity-to-Assets Ratio). At 13.07%, this indicates how much financial loss the bank can absorb before depositors' funds are placed at risk. A strong equity cushion is a key indicator of a bank's ability to weather economic downturns.

In terms of operational efficiency, the bank's Return on Assets (ROA) is 2.50%, while its Return on Equity (ROE) sits at 18.92%. These robust metrics contribute to an overall health score of 10.0 out of 10, signaling a well-capitalized and efficiently managed operation that effectively balances risk and shareholder return.

Risk & Growth Profiles

✓ Clean Regulatory Record

No recent history of FDIC conservatorship or financial failure.

Deposit Momentum

$65.6M avg deposits per branch.

Measures how much capital the bank holds against its physical footprint. A higher ratio indicates a highly liquid, lower-overhead lending profile.

Operations & Contact

Contact

Website: http://www.snbsd.com

FDIC Certificate #: 34394

Specialization: Commercial Lending Specialization

Location

325 Dakota Dunes Blvd

Dakota Dunes, South Dakota 57049

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