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Prime Security Bank Rates & Review September 2026

Q: How many branches does Prime Security Bank operate?

Prime Security Bank currently maintains approximately 3 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Prime Security Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Prime Security Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 14, 2026

Prime Security Bank's 6-Months High-yield 6-Month CDs rates are at 4.00%. MonitorBankRates evaluates the financial stability of Prime Security Bank with a 4.9 Star Rating, an A- Overall Health Grade, and a Texas Ratio of 16.15%. Rates last updated and verified on 09/14/2026.

Prime Security Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Prime Security Bank? Share your experience about Prime Security Bank by leaving a review below, or read customer reviews before you decide to use Prime Security Bank.

Overall Health & Safety Grade

A-

Very Good Health Score: 91/100

MonitorBankRates Rating

4.9

Exceptional Out of 5.0 Stars

Texas Ratio

16.15%

Good Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

Prime Security Bank

201 Main St N
Karlstad, MN 56732

https://www.primesecurity.com

Prime Security Bank CD Rates

Product	Rate	APY	Term	View More
High-yield 6 month CDs	-	4.00%	6 months
No additional details. Last Updated 09/14/2026 Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.15%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Prime Security Bank’s Texas Ratio rose from 10.60% in Q3 2023 to 16.15% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 4.9 and its Health Grade from A to A-. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$154M	16.15%	4.9	A-
March 31, 2026	$149M	10.77%	5.0	A
December 31, 2025	$146M	13.24%	5.0	A
September 30, 2025	$146M	12.57%	5.0	A
June 30, 2025	$147M	12.05%	5.0	A
March 31, 2025	$144M	12.73%	5.0	A
December 31, 2024	$136M	16.42%	4.9	A-
September 30, 2024	$134M	17.09%	4.8	B+
June 30, 2024	$137M	27.86%	3.9	C
March 31, 2024	$140M	27.43%	4.0	C
December 31, 2023	$139M	10.63%	5.0	A
September 30, 2023	$137M	10.60%	5.0	A

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Prime Security Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Prime Security Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Prime Security Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Prime Security Bank

Bank Holding Company NORTH STATE BANCSHARES INC

Address 201 Main St N, Karlstad, MN 56732 · Kittson

Website https://www.primesecurity.com

FDIC Certificate # 10971

Established 19250605

FDIC Insurance Date 19340101

Domestic Offices 3

Total Branches 3

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A-

Overall Health Grade Score: 91/100

4.9

Exceptional Out of 5.0 Stars

16.15%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.9965%

Return on Equity (ROE) 11.6300%

Non-Performing Loans (NPL) 0.45%

Total Assets $154,468,000

Total Deposits $131,325,000

Equity Capital $12,755,000

Net Income $745,000

Headquarters Karlstad

Total Branches and Offices 3

Source: FDIC | Last Updated 06/30/2026

Customer Reviews

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Total Reviews

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Frequently Asked Questions About Prime Security Bank

How many branches does Prime Security Bank operate?

Prime Security Bank currently maintains approximately 3 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Prime Security Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Prime Security Bank provides members with tools to manage their accounts and build a solid financial history.

Does Prime Security Bank offer online and mobile banking?

Most modern institutions like Prime Security Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.primesecurity.com.