BlastPoint's Banking Scorecard
Security Bank
Micro
Specialty: Commercial
WI
FDIC cert 10015
Designations: ✓ Community bank
New Auburn, WI
2498
banks in Micro tier nationally
88 in WI
View Micro leaderboard (WI) →
Security Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 30.12% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$231.6M
+8.1% YoY
+0.5% QoQ
|
+$14.1M |
$217.5M
+2.3% YoY
|
$1.1B
+5.1% YoY
|
$5.9B
+6.5% YoY
|
58% |
| Total Loans ? |
$205.4M
+11.8% YoY
+3.9% QoQ
|
+$66.2M |
$139.2M
+2.8% YoY
|
$768.8M
+4.7% YoY
|
$3.1B
+8.5% YoY
|
75% |
| Total Deposits ? |
$196.2M
+7.6% YoY
-0.0% QoQ
|
+$12.6M |
$183.7M
+1.8% YoY
|
$858.9M
+4.5% YoY
|
$4.7B
+6.3% YoY
|
58% |
| Return on Assets ? |
1.46%
+10.1% YoY
+9.2% QoQ
|
+0.37% |
1.08%
+14.7% YoY
|
1.12%
+22.4% YoY
|
1.12%
+15.6% YoY
|
73% |
| Net Interest Margin ? |
4.00%
+3.7% YoY
+2.4% QoQ
|
+0.14% |
3.85%
+6.6% YoY
|
3.60%
+10.9% YoY
|
3.75%
+7.1% YoY
|
58% |
| Efficiency Ratio ? |
52.22%
-7.2% YoY
-3.9% QoQ
|
-15.51% |
67.73%
-4.8% YoY
|
64.76%
-6.6% YoY
|
65.09%
-5.1% YoY
|
Top 14% in tier |
| Delinquency Rate ? |
1.26%
+59.8% YoY
+0.0% QoQ
|
+0.62% |
0.64%
+24.4% YoY
|
0.52%
+44.6% YoY
|
0.66%
+20.3% YoY
|
23% |
| Loan-to-Deposit Ratio ? |
104.64%
+3.9% YoY
+3.9% QoQ
|
+30.12% |
74.53%
+0.5% YoY
|
85.80%
+1.3% YoY
|
78.04%
+0.7% YoY
|
Bottom 6% in tier |
| Non-Interest-Bearing Deposit Share ? |
18.22%
-18.2% YoY
+4.0% QoQ
|
-4.17% |
22.39%
-1.3% YoY
|
18.83%
-1.2% YoY
|
21.79%
-1.3% YoY
|
35% |
| Nonperforming Asset Ratio ? |
1.12%
+65.2% YoY
+3.4% QoQ
|
+0.67% |
0.45%
+25.1% YoY
|
0.37%
+20.8% YoY
|
0.48%
+20.8% YoY
|
17% |
| Tier 1 Capital Ratio ? |
0.00%
-100.0% QoQ
|
-8.85% |
8.85%
-3.4% YoY
|
8.70%
-2.9% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.32%
-2.0% YoY
+35.8% QoQ
|
-0.25% |
0.56%
+0.3% YoY
|
0.58%
+3.9% YoY
|
0.65%
+0.6% YoY
|
43% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 6%
in Micro
Why this stands out
Current:
104.64%
(Tier avg: 74.53%, National avg: 78.04%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
86
86th pctile
Efficiency Ratio
Current: 52.22% · Tier avg: 67.73%
75
75th pctile
Total Loans
Current: $205.4M · Tier avg: $139.2M
73
73th pctile
Return on Assets
Current: 1.46% · Tier avg: 1.08%
58
58th pctile
Total Deposits
Current: $196.2M · Tier avg: $183.7M
58
58th pctile
Total Assets
Current: $231.6M · Tier avg: $217.5M
58
58th pctile
Net Interest Margin
Current: 4.00% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
43
43th pctile
Non-Interest Income / Assets
Current: 0.32% · Tier avg: 0.56%
35
35th pctile
Non-Interest-Bearing Deposit Share
Current: 18.22% · Tier avg: 22.39%
23
23th pctile
Delinquency Rate
Current: 1.26% · Tier avg: 0.64%
17
17th pctile
Nonperforming Asset Ratio
Current: 1.12% · Tier avg: 0.45%
6
6th pctile
Loan-to-Deposit Ratio
Current: 104.64% · Tier avg: 74.53%
Top Weaknesses
6
6th pctile
Loan-to-Deposit Ratio
Current: 104.64% · Tier avg: 74.53%
17
17th pctile
Nonperforming Asset Ratio
Current: 1.12% · Tier avg: 0.45%
23
23th pctile
Delinquency Rate
Current: 1.26% · Tier avg: 0.64%
35
35th pctile
Non-Interest-Bearing Deposit Share
Current: 18.22% · Tier avg: 22.39%
43
43th pctile
Non-Interest Income / Assets
Current: 0.32% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
58
58th pctile
Net Interest Margin
Current: 4.00% · Tier avg: 3.85%
58
58th pctile
Total Assets
Current: $231.6M · Tier avg: $217.5M
58
58th pctile
Total Deposits
Current: $196.2M · Tier avg: $183.7M
73
73th pctile
Return on Assets
Current: 1.46% · Tier avg: 1.08%
75
75th pctile
Total Loans
Current: $205.4M · Tier avg: $139.2M
86
86th pctile
Efficiency Ratio
Current: 52.22% · Tier avg: 67.73%