Bank · FDIC insured
Security BankUSA
A $263.9M bank headquartered in Bemidji, MN, with 2 branches in Minnesota. Best rates: CDs 3.85% and savings 1.00% APY.
Security BankUSA Carrot Score
80
Carrot Score
Higher than 54% of U.S. banks and credit unions
#4 of 8 in Bemidji, MN metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Security BankUSA
Security Bank USA was chartered in 1910, opened in 1911, and operates in Bemidji, Minnesota.
Originally known as Security State Bank, the institution changed its name to Security Bank USA in 1999.
- Headquarters
- 1025 Paul Bunyan Dr Nw, Bemidji, MN 56601
- FDIC certificate
- 1604 ↗
Branches
2 branches in Minnesota
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Minnesota
2 branches
- Security Bank USAMain office1025 Paul Bunyan Dr Nw, Bemidji, MN 56601Directions
- Detached Facility104 4th St Nw, Bemidji, MN 56601Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 9.36% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.22% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.84% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $82 | $81 | — |
- CapitalLeverage ratio9.36%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.22%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.84%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$82Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Security BankUSA are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.