BlastPoint's Banking Scorecard
Security State Bank
Micro
Specialty: Agricultural
TX
FDIC cert 11907
Designations: ✓ Community bank
Farwell, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
Security State Bank shows strong momentum with 2 strengths and 10.7% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.05% above tier
- + Efficiency Ratio 20.72% 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 (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$344.0M
+10.7% YoY
+3.9% QoQ
|
+$126.5M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
79% |
| Total Loans ? |
$262.2M
+20.1% YoY
+12.1% QoQ
|
+$123.0M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Top 13% in tier |
| Total Deposits ? |
$299.7M
+10.3% YoY
+5.3% QoQ
|
+$116.1M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
81% |
| Return on Assets ? |
2.14%
+3.2% YoY
-22.8% QoQ
|
+1.05% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
Top 7% in tier |
| Net Interest Margin ? |
4.20%
+3.4% YoY
+2.0% QoQ
|
+0.35% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
68% |
| Efficiency Ratio ? |
47.01%
+11.8% YoY
+38.7% QoQ
|
-20.72% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Top 7% in tier |
| Delinquency Rate ? |
0.03%
-98.7% YoY
-14.1% QoQ
|
-0.61% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
78% |
| Loan-to-Deposit Ratio ? |
87.48%
+8.9% YoY
+6.4% QoQ
|
+12.96% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
72% |
| Non-Interest-Bearing Deposit Share ? |
18.42%
-9.3% YoY
+23.9% QoQ
|
-3.97% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
36% |
| Nonperforming Asset Ratio ? |
0.02%
-98.6% YoY
-7.4% QoQ
|
-0.43% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
78% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.46%
+1.9% YoY
+4.8% QoQ
|
-0.11% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
64% |
Signature Analysis
Strengths (2)
Return on Assets
metric
Top 7%
in Micro
Why this stands out
Current:
2.14%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Top 7%
in Micro
Why this stands out
Current:
47.01%
(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: 47.01% · Tier avg: 67.73%
93
93th pctile
Return on Assets
Current: 2.14% · Tier avg: 1.08%
87
87th pctile
Total Loans
Current: $262.2M · Tier avg: $139.2M
81
81th pctile
Total Deposits
Current: $299.7M · Tier avg: $183.7M
79
79th pctile
Total Assets
Current: $344.0M · Tier avg: $217.5M
78
78th pctile
Delinquency Rate
Current: 0.03% · Tier avg: 0.64%
78
78th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.45%
72
72th pctile
Loan-to-Deposit Ratio
Current: 87.48% · Tier avg: 74.53%
68
68th pctile
Net Interest Margin
Current: 4.20% · Tier avg: 3.85%
64
64th pctile
Non-Interest Income / Assets
Current: 0.46% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
36
36th pctile
Non-Interest-Bearing Deposit Share
Current: 18.42% · Tier avg: 22.39%
Top Weaknesses
36
36th pctile
Non-Interest-Bearing Deposit Share
Current: 18.42% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
64
64th pctile
Non-Interest Income / Assets
Current: 0.46% · Tier avg: 0.56%
68
68th pctile
Net Interest Margin
Current: 4.20% · Tier avg: 3.85%
72
72th pctile
Loan-to-Deposit Ratio
Current: 87.48% · Tier avg: 74.53%
78
78th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.45%
78
78th pctile
Delinquency Rate
Current: 0.03% · Tier avg: 0.64%
79
79th pctile
Total Assets
Current: $344.0M · Tier avg: $217.5M
81
81th pctile
Total Deposits
Current: $299.7M · Tier avg: $183.7M
87
87th pctile
Total Loans
Current: $262.2M · Tier avg: $139.2M
93
93th pctile
Return on Assets
Current: 2.14% · Tier avg: 1.08%
93
93th pctile
Efficiency Ratio
Current: 47.01% · Tier avg: 67.73%