BlastPoint's Banking Scorecard
Security State Bank of Marine
Micro
Specialty: Commercial
MN
FDIC cert 10163
Designations: ✓ Community bank
Marine On St. Croix, MN
2498
banks in Micro tier nationally
179 in MN
View Micro leaderboard (MN) →
Security State Bank of Marine shows strong momentum with 2 strengths and 5.7% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.01% above tier
- + Efficiency Ratio 20.34% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$232.1M
+5.7% YoY
-0.9% QoQ
|
+$14.6M |
$217.5M
+2.3% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
58% |
| Total Loans ? |
$172.4M
+2.8% YoY
+2.5% QoQ
|
+$33.3M |
$139.2M
+2.8% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
67% |
| Total Deposits ? |
$205.8M
+5.2% YoY
-1.2% QoQ
|
+$22.1M |
$183.7M
+1.8% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
61% |
| Return on Assets ? |
2.10%
+4.8% YoY
-4.1% QoQ
|
+1.01% |
1.08%
+14.7% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
Top 8% in tier |
| Net Interest Margin ? |
4.35%
+1.1% YoY
+1.3% QoQ
|
+0.49% |
3.85%
+6.6% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
74% |
| Efficiency Ratio ? |
47.39%
-3.4% YoY
+4.0% QoQ
|
-20.34% |
67.73%
-4.8% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
Top 7% in tier |
| Delinquency Rate ? |
0.13%
-43.2% YoY
-2.4% QoQ
|
-0.51% |
0.64%
+24.4% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
68% |
| Loan-to-Deposit Ratio ? |
83.80%
-2.3% YoY
+3.8% QoQ
|
+9.28% |
74.53%
+0.5% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
35% |
| Non-Interest-Bearing Deposit Share ? |
30.25%
+0.7% YoY
-2.7% QoQ
|
+7.86% |
22.39%
-1.3% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
80% |
| Nonperforming Asset Ratio ? |
0.10%
-44.8% YoY
+0.9% QoQ
|
-0.35% |
0.45%
+25.1% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
68% |
| Tier 1 Capital Ratio ? |
15.70%
+3.0% YoY
-0.3% QoQ
|
+6.85% |
8.85%
-3.4% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
75% |
| Non-Interest Income / Assets ? |
0.41%
+9.5% YoY
+24.3% QoQ
|
-0.15% |
0.56%
+0.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
58% |
Signature Analysis
Strengths (2)
Return on Assets
metric
Top 8%
in Micro
Why this stands out
Current:
2.10%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Top 7%
in Micro
Why this stands out
Current:
47.39%
(Tier avg: 67.73%, National avg: 65.09%)
Concerns (0)
No concerns identified
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
93
93th pctile
Efficiency Ratio
Current: 47.39% · Tier avg: 67.73%
92
92th pctile
Return on Assets
Current: 2.10% · Tier avg: 1.08%
80
80th pctile
Non-Interest-Bearing Deposit Share
Current: 30.25% · Tier avg: 22.39%
75
75th pctile
Tier 1 Capital Ratio
Current: 15.70% · Tier avg: 8.85%
74
74th pctile
Net Interest Margin
Current: 4.35% · Tier avg: 3.85%
68
68th pctile
Delinquency Rate
Current: 0.13% · Tier avg: 0.64%
68
68th pctile
Nonperforming Asset Ratio
Current: 0.10% · Tier avg: 0.45%
67
67th pctile
Total Loans
Current: $172.4M · Tier avg: $139.2M
61
61th pctile
Total Deposits
Current: $205.8M · Tier avg: $183.7M
58
58th pctile
Total Assets
Current: $232.1M · Tier avg: $217.5M
58
58th pctile
Non-Interest Income / Assets
Current: 0.41% · Tier avg: 0.56%
35
35th pctile
Loan-to-Deposit Ratio
Current: 83.80% · Tier avg: 74.53%
Top Weaknesses
35
35th pctile
Loan-to-Deposit Ratio
Current: 83.80% · Tier avg: 74.53%
58
58th pctile
Non-Interest Income / Assets
Current: 0.41% · Tier avg: 0.56%
58
58th pctile
Total Assets
Current: $232.1M · Tier avg: $217.5M
61
61th pctile
Total Deposits
Current: $205.8M · Tier avg: $183.7M
67
67th pctile
Total Loans
Current: $172.4M · Tier avg: $139.2M
68
68th pctile
Nonperforming Asset Ratio
Current: 0.10% · Tier avg: 0.45%
68
68th pctile
Delinquency Rate
Current: 0.13% · Tier avg: 0.64%
74
74th pctile
Net Interest Margin
Current: 4.35% · Tier avg: 3.85%
75
75th pctile
Tier 1 Capital Ratio
Current: 15.70% · Tier avg: 8.85%
80
80th pctile
Non-Interest-Bearing Deposit Share
Current: 30.25% · Tier avg: 22.39%
92
92th pctile
Return on Assets
Current: 2.10% · Tier avg: 1.08%
93
93th pctile
Efficiency Ratio
Current: 47.39% · Tier avg: 67.73%