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Prime Security Bank

$100M-$1B Specialty: Commercial MN FDIC cert 10971

Karlstad, MN

3 branches across MN

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 151 in MN.
  • Deposits +3.2% year over year ($131.3M on the books).
  • Delinquency rate 0.52%.
  • Return on assets 1.00%.
  • Efficiency ratio 71.57% vs a 64.48% peer average.
  • Loan-to-deposit ratio 101.55% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 151 in MN
View $100M-$1B leaderboard (MN) →

Prime Security Bank has 1 strength but faces 6 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Delinquency Rate 0.40% below tier average

Key Concerns

Areas that may need attention

  • - Margin Compression: Bottom 21.8% in tier
  • - Credit Quality Pressure: Bottom 26.4% in tier
  • - Credit Risk Growth: Bottom 44.7% in tier
  • - Loan-to-Deposit Ratio 23.60% above tier average
  • - Net Interest Margin 0.22% below tier average
  • - Efficiency Ratio 7.09% above tier average
Get updates when Prime Security Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Total Assets ? $154.5M
+5.1% YoY +3.9% QoQ
-$232.1M $386.6M
+1.2% YoY
$524.5M
+5.8% YoY
$6.3B
+7.7% YoY
15%
Total Loans ? $133.4M
+10.6% YoY +4.9% QoQ
-$125.0M $258.3M
+1.7% YoY
$300.2M
+7.3% YoY
$3.2B
+9.4% YoY
29%
Total Deposits ? $131.3M
+3.2% YoY +5.0% QoQ
-$195.4M $326.7M
+0.7% YoY
$452.1M
+5.5% YoY
$4.9B
+7.3% YoY
16%
Return on Assets ? 1.00%
-20.4% YoY -31.7% QoQ
-0.33% 1.32%
+10.8% YoY
1.26%
+17.2% YoY
1.30%
+12.1% YoY
33%
Net Interest Margin ? 3.77%
+8.2% YoY +0.4% QoQ
-0.22% 3.99%
+5.0% YoY
4.00%
+6.8% YoY
3.95%
+4.9% YoY
40%
Efficiency Ratio ? 71.57%
+13.1% YoY +18.8% QoQ
+7.09% 64.48%
-3.2% YoY
63.00%
-3.5% YoY
70.05%
+2.5% YoY
27%
Delinquency Rate ? 0.52%
+14.3% YoY
-0.40% 0.92%
+15.7% YoY
1.01%
+19.3% YoY
0.98%
+16.3% YoY
45%
Loan-to-Deposit Ratio ? 101.55%
+7.2% YoY -0.1% QoQ
+23.60% 77.95%
+1.0% YoY
78.29%
-0.6% YoY
79.03%
+2.3% YoY
Bottom 8.2% in tier
Non-Interest-Bearing Deposit Share ? 14.77%
-4.6% YoY -1.2% QoQ
-7.26% 22.03%
-0.6% YoY
21.79%
+0.9% YoY
21.98%
-0.6% YoY
23%
Nonperforming Asset Ratio ? 1.33%
+30.5% YoY +41.3% QoQ
+0.66% 0.67%
+16.4% YoY
0.76%
+16.9% YoY
0.69%
+15.8% YoY
Bottom 14.5% in tier
Tier 1 Capital Ratio ? 10.86%
-5.5% YoY -6.1% QoQ
-5.05% 15.91%
+1.4% YoY
15.35%
-0.4% YoY
17.09%
+0.8% YoY
22%
Non-Interest Income / Assets ? 0.09%
-49.8% YoY +101.3% QoQ
-0.48% 0.57%
+7.6% YoY
0.31%
+3.9% YoY
0.66%
+5.2% YoY
15%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Noninterest-Bearing 14.8%
-0.7pp YoY
-0.2pp QoQ
 -7.4pp 22.1% 21.9% 22.2% 23%
Brokered Deposits 3.4%
+0.9pp YoY
-1.8pp QoQ
 -4.5pp 7.9% 8.3% 8.5% 40%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
C&I 6.5%
-0.2pp YoY
+1.1pp QoQ
 -5.1pp 11.6% 14.6% 12.5% 29%
CRE 63.6%
-1.4pp YoY
-0.8pp QoQ
 +24.1pp 39.5% 36.5% 41.4% 88%
1-4 Family 24.8%
+0.3pp YoY
-0.2pp QoQ
 -7.8pp 32.6% 29.4% 31.3% 40%
Consumer 2.0%
-0.7pp YoY
-0.1pp QoQ
 -2.1pp 4.1% 4.5% 5.0% 48%

Capital

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
CET1 Ratio 10.9%
-0.6pp YoY
-0.7pp QoQ
 -8.0pp 18.8% 16.5% 19.7% 7%
Leverage Ratio 8.7%
-0.1pp YoY
-0.5pp QoQ
 -3.5pp 12.2% 11.0% 12.6% 8%
Total Capital Ratio 11.6%
-0.9pp YoY
-0.7pp QoQ
 -8.4pp 19.9% 17.6% 20.8% 5%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Full-Time Employees 18
0 YoY
0 QoQ
 -41 58 55 482 8%
Assets per Employee ($) $8.6M
+5.1% YoY
+3.9% QoQ
 +$1.1M $7.5M $8.6M $8.8M 75%
Branch Count 3
0 YoY
0 QoQ
 -2 4 4 18 26%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Past Due 90+ Days 0.5% +0.2pp 0.3% 0.4% 0.4% 84%
Nonaccrual n/a n/a 0.9% 1.0% 1.0% n/a
Allowance Coverage 1.15x
-38.6% YoY
 -23.01x 24.15x 20.41x 20.23x 31%
Net Charge-off Rate (YTD) 0.4%
-0.4pp QoQ
 +0.2pp 0.1% 0.2% 0.2% 91%

Profitability

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
ROE 11.6%
-3.7pp YoY
-5.1pp QoQ
 -0.6pp 12.2% 13.1% 11.6% 48%
Cost of Funds (YTD) 2.4%
0.0pp YoY
+0.1pp QoQ
 +0.7pp 1.7% 1.7% 1.7% 87%
Net Income ($, YTD) $745,000
-16.4% YoY
— QoQ
 -$1.8M $2.6M $4.5M $40.4M 18%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (3)

Margin Compression

decline
#68 of 307 • Bottom 21.8% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 1.00%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 banks QoQ

Credit Quality Pressure

risk
#333 of 1256 • Bottom 26.4% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.52%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ

Credit Risk Growth

risk
#419 of 936 • Bottom 44.7% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (7 metrics)

2426
Loan-to-Deposit Ratio
liquidity
Value: 101.55%
Peer Median: 77.95%
#2426 of 2643 Bottom 8.2% in $100M-$1B
2261
Nonperforming Asset Ratio
credit_quality
Value: 1.33%
Peer Median: 0.67%
#2261 of 2643 Bottom 14.5% in $100M-$1B
2246
Non-Interest Income / Assets
revenue_mix
Value: 0.09%
Peer Median: 0.57%
#2246 of 2643 Bottom 15.1% in $100M-$1B
2237
Total Assets
size
Value: $154.47M
Peer Median: $386.57M
#2237 of 2643 Bottom 15.4% in $100M-$1B
2227
Total Deposits
size
Value: $131.32M
Peer Median: $326.73M
#2227 of 2643 Bottom 15.8% in $100M-$1B
2075
Tier 1 Capital Ratio
capital
Value: 10.86%
Peer Median: 15.91%
#2075 of 2643 Bottom 21.5% in $100M-$1B
2028
Non-Interest-Bearing Deposit Share
funding
Value: 14.77%
Peer Median: 22.03%
#2028 of 2643 Bottom 23.3% in $100M-$1B
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