BlastPoint's Banking Scorecard
The Security State Bank
Micro
Specialty: Agricultural
KS
FDIC cert 12422
Designations: ✓ Community bank
Wellington, KS
2498
banks in Micro tier nationally
145 in KS
View Micro leaderboard (KS) →
The Security State 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 33.61% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$56.3M
+10.8% YoY
-0.8% QoQ
|
-$161.2M |
$217.5M
+2.3% YoY
|
$500.0M
+7.2% YoY
|
$5.9B
+6.5% YoY
|
Bottom 9% in tier |
| Total Loans ? |
$20.1M
+9.1% YoY
-3.9% QoQ
|
-$119.1M |
$139.2M
+2.8% YoY
|
$330.9M
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 7% in tier |
| Total Deposits ? |
$49.1M
+9.9% YoY
-0.5% QoQ
|
-$134.6M |
$183.7M
+1.8% YoY
|
$415.2M
+7.6% YoY
|
$4.7B
+6.3% YoY
|
Bottom 10% in tier |
| Return on Assets ? |
0.79%
+139.6% YoY
-10.6% QoQ
|
-0.29% |
1.08%
+14.7% YoY
|
1.26%
+16.9% YoY
|
1.12%
+15.6% YoY
|
33% |
| Net Interest Margin ? |
3.81%
+10.3% YoY
+1.2% QoQ
|
-0.04% |
3.85%
+6.6% YoY
|
3.85%
+7.2% YoY
|
3.75%
+7.1% YoY
|
50% |
| Efficiency Ratio ? |
78.56%
-6.0% YoY
+3.1% QoQ
|
+10.83% |
67.73%
-4.8% YoY
|
63.53%
-4.9% YoY
|
65.09%
-5.1% YoY
|
22% |
| Delinquency Rate ? |
1.37%
-19.7% YoY
-52.7% QoQ
|
+0.73% |
0.64%
+24.4% YoY
|
0.50%
+113.1% YoY
|
0.66%
+20.3% YoY
|
21% |
| Loan-to-Deposit Ratio ? |
40.92%
-0.8% YoY
-3.5% QoQ
|
-33.61% |
74.53%
+0.5% YoY
|
73.36%
+1.4% YoY
|
78.04%
+0.7% YoY
|
Bottom 7% in tier |
| Non-Interest-Bearing Deposit Share ? |
25.02%
+26.6% YoY
+0.5% QoQ
|
+2.63% |
22.39%
-1.3% YoY
|
21.92%
-1.8% YoY
|
21.79%
-1.3% YoY
|
63% |
| Nonperforming Asset Ratio ? |
0.49%
-48.0% YoY
-61.9% QoQ
|
+0.04% |
0.45%
+25.1% YoY
|
0.36%
+79.7% YoY
|
0.48%
+20.8% YoY
|
38% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
7.38%
-10.4% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.40%
+7.6% YoY
+22.1% QoQ
|
-0.17% |
0.56%
+0.3% YoY
|
0.59%
+2.2% YoY
|
0.65%
+0.6% YoY
|
55% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 7%
in Micro
Why this stands out
Current:
40.92%
(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
63
63th pctile
Non-Interest-Bearing Deposit Share
Current: 25.02% · Tier avg: 22.39%
55
55th pctile
Non-Interest Income / Assets
Current: 0.40% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
50
50th pctile
Net Interest Margin
Current: 3.81% · Tier avg: 3.85%
38
38th pctile
Nonperforming Asset Ratio
Current: 0.49% · Tier avg: 0.45%
33
33th pctile
Return on Assets
Current: 0.79% · Tier avg: 1.08%
22
22th pctile
Efficiency Ratio
Current: 78.56% · Tier avg: 67.73%
21
21th pctile
Delinquency Rate
Current: 1.37% · Tier avg: 0.64%
10
10th pctile
Total Deposits
Current: $49.1M · Tier avg: $183.7M
9
9th pctile
Total Assets
Current: $56.3M · Tier avg: $217.5M
7
7th pctile
Total Loans
Current: $20.1M · Tier avg: $139.2M
7
7th pctile
Loan-to-Deposit Ratio
Current: 40.92% · Tier avg: 74.53%
Top Weaknesses
7
7th pctile
Loan-to-Deposit Ratio
Current: 40.92% · Tier avg: 74.53%
7
7th pctile
Total Loans
Current: $20.1M · Tier avg: $139.2M
9
9th pctile
Total Assets
Current: $56.3M · Tier avg: $217.5M
10
10th pctile
Total Deposits
Current: $49.1M · Tier avg: $183.7M
21
21th pctile
Delinquency Rate
Current: 1.37% · Tier avg: 0.64%
22
22th pctile
Efficiency Ratio
Current: 78.56% · Tier avg: 67.73%
33
33th pctile
Return on Assets
Current: 0.79% · Tier avg: 1.08%
38
38th pctile
Nonperforming Asset Ratio
Current: 0.49% · Tier avg: 0.45%
50
50th pctile
Net Interest Margin
Current: 3.81% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
55
55th pctile
Non-Interest Income / Assets
Current: 0.40% · Tier avg: 0.56%
63
63th pctile
Non-Interest-Bearing Deposit Share
Current: 25.02% · Tier avg: 22.39%