BlastPoint's Banking Scorecard
Security State Bank of Kenyon
Micro
Specialty: Agricultural
MN
FDIC cert 15597
Designations: ✓ Community bank
Kenyon, MN
2498
banks in Micro tier nationally
179 in MN
View Micro leaderboard (MN) →
Security State Bank of Kenyon shows stable performance across key metrics
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
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 ? |
$72.2M
+3.0% YoY
+6.9% QoQ
|
-$145.3M |
$217.5M
+2.3% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
Bottom 13% in tier |
| Total Loans ? |
$48.8M
-4.8% YoY
-1.8% QoQ
|
-$90.3M |
$139.2M
+2.8% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
19% |
| Total Deposits ? |
$63.0M
+1.8% YoY
+7.5% QoQ
|
-$120.6M |
$183.7M
+1.8% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
Bottom 15% in tier |
| Return on Assets ? |
0.98%
+108.1% YoY
+1.5% QoQ
|
-0.10% |
1.08%
+14.7% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
45% |
| Net Interest Margin ? |
4.52%
+3.2% YoY
+0.0% QoQ
|
+0.66% |
3.85%
+6.6% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
80% |
| Efficiency Ratio ? |
74.36%
+4.5% YoY
-0.5% QoQ
|
+6.63% |
67.73%
-4.8% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
30% |
| Delinquency Rate ? |
0.01%
-99.2% YoY
|
-0.63% |
0.64%
+24.4% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
81% |
| Loan-to-Deposit Ratio ? |
77.48%
-6.5% YoY
-8.7% QoQ
|
+2.95% |
74.53%
+0.5% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
48% |
| Non-Interest-Bearing Deposit Share ? |
34.99%
+9.3% YoY
+19.7% QoQ
|
+12.59% |
22.39%
-1.3% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
Top 12% in tier |
| Nonperforming Asset Ratio ? |
0.01%
-99.5% YoY
|
-0.45% |
0.45%
+25.1% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
82% |
| Tier 1 Capital Ratio ? |
16.63%
+7.3% YoY
-1.0% QoQ
|
+7.78% |
8.85%
-3.4% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
78% |
| Non-Interest Income / Assets ? |
0.23%
-60.1% YoY
+27.5% QoQ
|
-0.33% |
0.56%
+0.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
29% |
Signature Analysis
Strengths (0)
No strengths identified
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
88
88th pctile
Non-Interest-Bearing Deposit Share
Current: 34.99% · Tier avg: 22.39%
82
82th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.45%
81
81th pctile
Delinquency Rate
Current: 0.01% · Tier avg: 0.64%
80
80th pctile
Net Interest Margin
Current: 4.52% · Tier avg: 3.85%
78
78th pctile
Tier 1 Capital Ratio
Current: 16.63% · Tier avg: 8.85%
48
48th pctile
Loan-to-Deposit Ratio
Current: 77.48% · Tier avg: 74.53%
45
45th pctile
Return on Assets
Current: 0.98% · Tier avg: 1.08%
30
30th pctile
Efficiency Ratio
Current: 74.36% · Tier avg: 67.73%
29
29th pctile
Non-Interest Income / Assets
Current: 0.23% · Tier avg: 0.56%
19
19th pctile
Total Loans
Current: $48.8M · Tier avg: $139.2M
15
15th pctile
Total Deposits
Current: $63.0M · Tier avg: $183.7M
13
13th pctile
Total Assets
Current: $72.2M · Tier avg: $217.5M
Top Weaknesses
13
13th pctile
Total Assets
Current: $72.2M · Tier avg: $217.5M
15
15th pctile
Total Deposits
Current: $63.0M · Tier avg: $183.7M
19
19th pctile
Total Loans
Current: $48.8M · Tier avg: $139.2M
29
29th pctile
Non-Interest Income / Assets
Current: 0.23% · Tier avg: 0.56%
30
30th pctile
Efficiency Ratio
Current: 74.36% · Tier avg: 67.73%
45
45th pctile
Return on Assets
Current: 0.98% · Tier avg: 1.08%
48
48th pctile
Loan-to-Deposit Ratio
Current: 77.48% · Tier avg: 74.53%
78
78th pctile
Tier 1 Capital Ratio
Current: 16.63% · Tier avg: 8.85%
80
80th pctile
Net Interest Margin
Current: 4.52% · Tier avg: 3.85%
81
81th pctile
Delinquency Rate
Current: 0.01% · Tier avg: 0.64%
82
82th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.45%
88
88th pctile
Non-Interest-Bearing Deposit Share
Current: 34.99% · Tier avg: 22.39%