BlastPoint's Banking Scorecard
Security State Bank of Oklee
Micro
Specialty: Agricultural
MN
FDIC cert 10982
Designations: ✓ Community bank
Oklee, MN
2498
banks in Micro tier nationally
179 in MN
View Micro leaderboard (MN) →
Security State Bank of Oklee demonstrates 3 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
- + Tier 1 Capital Ratio 29.81% 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 ? |
$47.3M
+4.0% YoY
+1.9% QoQ
|
-$170.2M |
$217.5M
+2.3% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
Bottom 7% in tier |
| Total Loans ? |
$20.7M
+17.3% YoY
+0.9% QoQ
|
-$118.5M |
$139.2M
+2.8% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
Bottom 7% in tier |
| Total Deposits ? |
$39.4M
+3.1% YoY
+2.4% QoQ
|
-$144.2M |
$183.7M
+1.8% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
Bottom 7% in tier |
| Return on Assets ? |
1.57%
-14.3% YoY
+6.9% QoQ
|
+0.49% |
1.08%
+14.7% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
78% |
| Net Interest Margin ? |
3.04%
-7.0% YoY
+0.8% QoQ
|
-0.81% |
3.85%
+6.6% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
18% |
| Efficiency Ratio ? |
50.86%
+0.6% YoY
-1.3% QoQ
|
-16.87% |
67.73%
-4.8% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
Top 11% in tier |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-0.64% |
0.64%
+24.4% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
52.56%
+13.8% YoY
-1.4% QoQ
|
-21.97% |
74.53%
+0.5% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
15% |
| Non-Interest-Bearing Deposit Share ? |
16.73%
-19.3% YoY
-9.9% QoQ
|
-5.66% |
22.39%
-1.3% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
29% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.45% |
0.45%
+25.1% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
38.67%
-13.1% YoY
-3.1% QoQ
|
+29.81% |
8.85%
-3.4% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
Top 1% in tier |
| Non-Interest Income / Assets ? |
0.81%
-18.6% YoY
+30.1% QoQ
|
+0.25% |
0.56%
+0.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
Top 13% in tier |
Signature Analysis
Strengths (3)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Tier 1 Capital Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
38.67%
(Tier avg: 8.85%, National avg: 9.75%)
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
99
99th pctile
Tier 1 Capital Ratio
Current: 38.67% · Tier avg: 8.85%
89
89th pctile
Efficiency Ratio
Current: 50.86% · Tier avg: 67.73%
87
87th pctile
Non-Interest Income / Assets
Current: 0.81% · Tier avg: 0.56%
78
78th pctile
Return on Assets
Current: 1.57% · Tier avg: 1.08%
29
29th pctile
Non-Interest-Bearing Deposit Share
Current: 16.73% · Tier avg: 22.39%
18
18th pctile
Net Interest Margin
Current: 3.04% · Tier avg: 3.85%
15
15th pctile
Loan-to-Deposit Ratio
Current: 52.56% · Tier avg: 74.53%
7
7th pctile
Total Deposits
Current: $39.4M · Tier avg: $183.7M
7
7th pctile
Total Loans
Current: $20.7M · Tier avg: $139.2M
7
7th pctile
Total Assets
Current: $47.3M · Tier avg: $217.5M
Top Weaknesses
7
7th pctile
Total Assets
Current: $47.3M · Tier avg: $217.5M
7
7th pctile
Total Loans
Current: $20.7M · Tier avg: $139.2M
7
7th pctile
Total Deposits
Current: $39.4M · Tier avg: $183.7M
15
15th pctile
Loan-to-Deposit Ratio
Current: 52.56% · Tier avg: 74.53%
18
18th pctile
Net Interest Margin
Current: 3.04% · Tier avg: 3.85%
29
29th pctile
Non-Interest-Bearing Deposit Share
Current: 16.73% · Tier avg: 22.39%
78
78th pctile
Return on Assets
Current: 1.57% · Tier avg: 1.08%
87
87th pctile
Non-Interest Income / Assets
Current: 0.81% · Tier avg: 0.56%
89
89th pctile
Efficiency Ratio
Current: 50.86% · Tier avg: 67.73%
99
99th pctile
Tier 1 Capital Ratio
Current: 38.67% · Tier avg: 8.85%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%