BlastPoint's Banking Scorecard
Security Bank & Trust Company
Community
Specialty: Commercial
MN
FDIC cert 15324
Glencoe, MN
1484
banks in Community tier nationally
45 in MN
View Community leaderboard (MN) →
Security Bank & Trust Company shows strong momentum with 1 strength and 8.9% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 43% in Community
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 ? |
$1.3B
+8.9% YoY
-0.7% QoQ
|
-$104.7M |
$1.4B
+2.0% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
62% |
| Total Loans ? |
$837.6M
+4.7% YoY
+1.8% QoQ
|
-$137.8M |
$975.5M
+2.4% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
60% |
| Total Deposits ? |
$1.2B
+8.1% YoY
-1.3% QoQ
|
-$3.1M |
$1.2B
+1.7% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
66% |
| Return on Assets ? |
1.63%
+29.4% YoY
+9.6% QoQ
|
+0.47% |
1.16%
+17.2% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
80% |
| Net Interest Margin ? |
3.71%
+8.1% YoY
+1.7% QoQ
|
+0.04% |
3.66%
+9.1% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
54% |
| Efficiency Ratio ? |
50.02%
-13.1% YoY
-4.1% QoQ
|
-12.61% |
62.63%
-5.3% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
84% |
| Delinquency Rate ? |
0.31%
-27.6% YoY
-13.5% QoQ
|
-0.32% |
0.63%
+18.3% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
60% |
| Loan-to-Deposit Ratio ? |
72.12%
-3.2% YoY
+3.2% QoQ
|
-10.95% |
83.06%
+0.3% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
77% |
| Non-Interest-Bearing Deposit Share ? |
13.72%
-11.6% YoY
-0.7% QoQ
|
-7.33% |
21.05%
-0.9% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
21% |
| Nonperforming Asset Ratio ? |
0.20%
-46.3% YoY
-11.3% QoQ
|
-0.30% |
0.50%
+20.3% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
65% |
| Tier 1 Capital Ratio ? |
13.47%
+4.4% YoY
+4.5% QoQ
|
+3.23% |
10.24%
-0.6% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
62% |
| Non-Interest Income / Assets ? |
0.50%
+6.5% YoY
+103.2% QoQ
|
-0.24% |
0.74%
-1.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
48% |
Signature Analysis
Strengths (1)
Profitability Leader
growth
#159 of 371 · Top 43% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
1.63%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
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
84
84th pctile
Efficiency Ratio
Current: 50.02% · Tier avg: 62.63%
80
80th pctile
Return on Assets
Current: 1.63% · Tier avg: 1.16%
77
77th pctile
Loan-to-Deposit Ratio
Current: 72.12% · Tier avg: 83.06%
66
66th pctile
Total Deposits
Current: $1.2B · Tier avg: $1.2B
65
65th pctile
Nonperforming Asset Ratio
Current: 0.20% · Tier avg: 0.50%
62
62th pctile
Tier 1 Capital Ratio
Current: 13.47% · Tier avg: 10.24%
62
62th pctile
Total Assets
Current: $1.3B · Tier avg: $1.4B
60
60th pctile
Delinquency Rate
Current: 0.31% · Tier avg: 0.63%
60
60th pctile
Total Loans
Current: $837.6M · Tier avg: $975.5M
54
54th pctile
Net Interest Margin
Current: 3.71% · Tier avg: 3.66%
48
48th pctile
Non-Interest Income / Assets
Current: 0.50% · Tier avg: 0.74%
21
21th pctile
Non-Interest-Bearing Deposit Share
Current: 13.72% · Tier avg: 21.05%
Top Weaknesses
21
21th pctile
Non-Interest-Bearing Deposit Share
Current: 13.72% · Tier avg: 21.05%
48
48th pctile
Non-Interest Income / Assets
Current: 0.50% · Tier avg: 0.74%
54
54th pctile
Net Interest Margin
Current: 3.71% · Tier avg: 3.66%
60
60th pctile
Total Loans
Current: $837.6M · Tier avg: $975.5M
60
60th pctile
Delinquency Rate
Current: 0.31% · Tier avg: 0.63%
62
62th pctile
Total Assets
Current: $1.3B · Tier avg: $1.4B
62
62th pctile
Tier 1 Capital Ratio
Current: 13.47% · Tier avg: 10.24%
65
65th pctile
Nonperforming Asset Ratio
Current: 0.20% · Tier avg: 0.50%
66
66th pctile
Total Deposits
Current: $1.2B · Tier avg: $1.2B
77
77th pctile
Loan-to-Deposit Ratio
Current: 72.12% · Tier avg: 83.06%
80
80th pctile
Return on Assets
Current: 1.63% · Tier avg: 1.16%
84
84th pctile
Efficiency Ratio
Current: 50.02% · Tier avg: 62.63%