BlastPoint's Banking Scorecard
Security State Bank of Hibbing
Micro
Specialty: Commercial
MN
FDIC cert 10175
Designations: ✓ Community bank
Hibbing, MN
2498
banks in Micro tier nationally
179 in MN
View Micro leaderboard (MN) →
Security State Bank of Hibbing demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 16.27% above 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 ? |
$151.3M
-1.8% YoY
-1.4% QoQ
|
-$66.2M |
$217.5M
+2.3% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
38% |
| Total Loans ? |
$93.1M
+8.1% YoY
+5.5% QoQ
|
-$46.1M |
$139.2M
+2.8% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
40% |
| Total Deposits ? |
$136.2M
-3.4% YoY
-2.0% QoQ
|
-$47.5M |
$183.7M
+1.8% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
41% |
| Return on Assets ? |
0.80%
-19.7% YoY
+7.9% QoQ
|
-0.28% |
1.08%
+14.7% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
33% |
| Net Interest Margin ? |
4.25%
+5.0% YoY
+2.8% QoQ
|
+0.39% |
3.85%
+6.6% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
70% |
| Efficiency Ratio ? |
67.65%
+0.9% YoY
-2.9% QoQ
|
-0.07% |
67.73%
-4.8% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
46% |
| Delinquency Rate ? |
2.05%
-14.1% YoY
+1.7% QoQ
|
+1.41% |
0.64%
+24.4% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
Bottom 13% in tier |
| Loan-to-Deposit Ratio ? |
68.38%
+11.9% YoY
+7.7% QoQ
|
-6.15% |
74.53%
+0.5% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
64% |
| Non-Interest-Bearing Deposit Share ? |
38.66%
+6.3% YoY
+3.0% QoQ
|
+16.27% |
22.39%
-1.3% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
Top 8% in tier |
| Nonperforming Asset Ratio ? |
1.26%
-5.4% YoY
+8.8% QoQ
|
+0.81% |
0.45%
+25.1% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
Bottom 15% in tier |
| Tier 1 Capital Ratio ? |
16.34%
+1.9% YoY
-0.5% QoQ
|
+7.49% |
8.85%
-3.4% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
77% |
| Non-Interest Income / Assets ? |
0.56%
+13.2% YoY
+32.0% QoQ
|
0 |
0.56%
+0.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
74% |
Signature Analysis
Strengths (1)
Non-Interest-Bearing Deposit Share
metric
Top 8%
in Micro
Why this stands out
Current:
38.66%
(Tier avg: 22.39%, National avg: 21.79%)
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
92
92th pctile
Non-Interest-Bearing Deposit Share
Current: 38.66% · Tier avg: 22.39%
77
77th pctile
Tier 1 Capital Ratio
Current: 16.34% · Tier avg: 8.85%
74
74th pctile
Non-Interest Income / Assets
Current: 0.56% · Tier avg: 0.56%
70
70th pctile
Net Interest Margin
Current: 4.25% · Tier avg: 3.85%
64
64th pctile
Loan-to-Deposit Ratio
Current: 68.38% · Tier avg: 74.53%
46
46th pctile
Efficiency Ratio
Current: 67.65% · Tier avg: 67.73%
41
41th pctile
Total Deposits
Current: $136.2M · Tier avg: $183.7M
40
40th pctile
Total Loans
Current: $93.1M · Tier avg: $139.2M
38
38th pctile
Total Assets
Current: $151.3M · Tier avg: $217.5M
33
33th pctile
Return on Assets
Current: 0.80% · Tier avg: 1.08%
15
15th pctile
Nonperforming Asset Ratio
Current: 1.26% · Tier avg: 0.45%
13
13th pctile
Delinquency Rate
Current: 2.05% · Tier avg: 0.64%
Top Weaknesses
13
13th pctile
Delinquency Rate
Current: 2.05% · Tier avg: 0.64%
15
15th pctile
Nonperforming Asset Ratio
Current: 1.26% · Tier avg: 0.45%
33
33th pctile
Return on Assets
Current: 0.80% · Tier avg: 1.08%
38
38th pctile
Total Assets
Current: $151.3M · Tier avg: $217.5M
40
40th pctile
Total Loans
Current: $93.1M · Tier avg: $139.2M
41
41th pctile
Total Deposits
Current: $136.2M · Tier avg: $183.7M
46
46th pctile
Efficiency Ratio
Current: 67.65% · Tier avg: 67.73%
64
64th pctile
Loan-to-Deposit Ratio
Current: 68.38% · Tier avg: 74.53%
70
70th pctile
Net Interest Margin
Current: 4.25% · Tier avg: 3.85%
74
74th pctile
Non-Interest Income / Assets
Current: 0.56% · Tier avg: 0.56%
77
77th pctile
Tier 1 Capital Ratio
Current: 16.34% · Tier avg: 8.85%
92
92th pctile
Non-Interest-Bearing Deposit Share
Current: 38.66% · Tier avg: 22.39%