The Security National Bank of Sioux City, Iowa
Sioux City, Iowa, Woodbury County
$1.7B in total assets, the 686th largest of 4,309 US banks and 18th of 227 headquartered in Iowa.
- FDIC certificate
- 4506
- Established
- 1884
- Owned by
- Security National Corp
- Primary regulator
- OCC
- Website
- https://www.snbonline.com
At a glance
Compared with 26 banks headquartered in Iowa with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $1.7B | 35% | $1.8B | |
| Loans | $1.2B | 38% | $1.3B | |
| Deposits | $1.3B | 38% | $1.5B | |
| Return on assets | 1.68% | 81% | 1.28% | |
| Net interest margin | 3.44% | 42% | 3.51% | |
| Efficiency ratio | 51.8% | 50% | 52.0% | |
| Equity to assets | 12.34% | 88% | 10.14% | |
| Loans to deposits | 92% | 58% | 90% |
Growth
Total assets grew 3.5% a year over the last 5 years and 5.4% a year over 10 years, including 1 acquisition in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Oct 2023 | Northwestern Bank Orange City, IA, an affiliate under the same holding company | $268M |
| May 2015 | SNB Interim Bank, National Association Sioux City, IA | $124M |
| Apr 2012 | First State Bank of Mapleton Mapleton, IA, an affiliate under the same holding company | $51M |
| Apr 2010 | The First National Bank of Akron Akron, IA, an affiliate under the same holding company | $42M |
Where they operate
10 branches in 5 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Woodbury County, IA | $975M | 28.3% | 1 of 20 |
| Sioux County, IA | $156M | 5.3% | 5 of 9 |
| Monona County, IA | $75M | 18.7% | 2 of 9 |
| O'brien County, IA | $61M | 5.9% | 7 of 9 |
| Plymouth County, IA | $45M | 3.2% | 8 of 8 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 1 branch since 2016 (9 to 10, +11.1%). 0 opened, 2 acquired, 1 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 9 | |||
| 2020 | Closed Climbing Hill | 0 | 1 | −1 | 8 |
| 2023 | Acquired Northwestern Bank | 2 | 0 | +2 | 10 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| 1-4 family residential | 22% | 21% | |
| Agricultural | 20% | 9% | |
| Farmland | 16% | 12% | |
| Commercial real estate | 12% | 23% | |
| Business (C&I) | 9% | 14% | |
| Multifamily | 9% | 11% | |
| Construction and land | 5% | 8% | |
| Consumer | 2% | 1% | |
| Other | 5% | 2% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 47% | 58% | |
| Noninterest-bearing | 29% | 14% | |
| Time deposits | 24% | 28% |
Brokered deposits are 0.0% of deposits (peers 5.0%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.26% | 0.31% |
| Net charge-offs, annualized | -0.00% | 0.01% |
| Reserves to loans | 1.45% | 1.19% |
| Leverage ratio | 12.79% | 10.19% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Iowa
Largest competitors in Woodbury County, IA
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/security-sioux-city-iowa