BlastPoint's Banking Scorecard
Security Savings Bank
Community
Specialty: Agricultural
SD
FDIC cert 15734
Canton, SD
1484
banks in Community tier nationally
18 in SD
View Community leaderboard (SD) →
Security Savings Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 11% in Community
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 5% in Community
- - Credit Quality Pressure: Bottom 14% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$532.8M
+3.4% YoY
+3.8% QoQ
|
-$858.6M |
$1.4B
+2.0% YoY
|
$66.4B
+7.5% YoY
|
$5.9B
+6.5% YoY
|
Bottom 5% in tier |
| Total Loans ? |
$415.3M
+2.4% YoY
+1.8% QoQ
|
-$560.1M |
$975.5M
+2.4% YoY
|
$30.0B
+8.4% YoY
|
$3.1B
+8.5% YoY
|
17% |
| Total Deposits ? |
$474.7M
+3.0% YoY
+4.7% QoQ
|
-$689.9M |
$1.2B
+1.7% YoY
|
$53.6B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
Bottom 9% in tier |
| Return on Assets ? |
0.73%
+66.6% YoY
+7.0% QoQ
|
-0.43% |
1.16%
+17.2% YoY
|
1.30%
+9.7% YoY
|
1.12%
+15.6% YoY
|
21% |
| Net Interest Margin ? |
3.21%
+23.9% YoY
+0.9% QoQ
|
-0.46% |
3.66%
+9.1% YoY
|
4.04%
+12.2% YoY
|
3.75%
+7.1% YoY
|
25% |
| Efficiency Ratio ? |
76.22%
-9.1% YoY
-1.3% QoQ
|
+13.59% |
62.63%
-5.3% YoY
|
61.23%
-7.1% YoY
|
65.09%
-5.1% YoY
|
Bottom 15% in tier |
| Delinquency Rate ? |
0.07%
-2.7% QoQ
|
-0.56% |
0.63%
+18.3% YoY
|
0.56%
+87.1% YoY
|
0.66%
+20.3% YoY
|
Top 15% in tier |
| Loan-to-Deposit Ratio ? |
87.49%
-0.6% YoY
-2.8% QoQ
|
+4.42% |
83.06%
+0.3% YoY
|
73.14%
+0.4% YoY
|
78.04%
+0.7% YoY
|
58% |
| Non-Interest-Bearing Deposit Share ? |
15.64%
-3.8% YoY
-0.3% QoQ
|
-5.41% |
21.05%
-0.9% YoY
|
20.56%
-1.2% YoY
|
21.79%
-1.3% YoY
|
28% |
| Nonperforming Asset Ratio ? |
0.06%
-4.6% QoQ
|
-0.44% |
0.50%
+20.3% YoY
|
0.38%
+94.7% YoY
|
0.48%
+20.8% YoY
|
Top 15% in tier |
| Tier 1 Capital Ratio ? |
11.01%
-6.2% YoY
-8.7% QoQ
|
+0.77% |
10.24%
-0.6% YoY
|
11.53%
-0.1% YoY
|
9.75%
-1.9% YoY
|
37% |
| Non-Interest Income / Assets ? |
0.28%
-30.5% YoY
+28.9% QoQ
|
-0.46% |
0.74%
-1.3% YoY
|
1.02%
-4.1% YoY
|
0.65%
+0.6% YoY
|
20% |
Signature Analysis
Strengths (1)
Credit Quality Leader
growth
#42 of 371 · Top 11% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.07%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
Concerns (2)
Credit Risk Growth
risk
#35 of 642 · Bottom 5% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank improving
Credit Quality Pressure
risk
#110 of 808 · Bottom 14% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.07%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank declining
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
85
85th pctile
Nonperforming Asset Ratio
Current: 0.06% · Tier avg: 0.50%
85
85th pctile
Delinquency Rate
Current: 0.07% · Tier avg: 0.63%
58
58th pctile
Loan-to-Deposit Ratio
Current: 87.49% · Tier avg: 83.06%
37
37th pctile
Tier 1 Capital Ratio
Current: 11.01% · Tier avg: 10.24%
28
28th pctile
Non-Interest-Bearing Deposit Share
Current: 15.64% · Tier avg: 21.05%
25
25th pctile
Net Interest Margin
Current: 3.21% · Tier avg: 3.66%
21
21th pctile
Return on Assets
Current: 0.73% · Tier avg: 1.16%
20
20th pctile
Non-Interest Income / Assets
Current: 0.28% · Tier avg: 0.74%
17
17th pctile
Total Loans
Current: $415.3M · Tier avg: $975.5M
15
15th pctile
Efficiency Ratio
Current: 76.22% · Tier avg: 62.63%
9
9th pctile
Total Deposits
Current: $474.7M · Tier avg: $1.2B
5
5th pctile
Total Assets
Current: $532.8M · Tier avg: $1.4B
Top Weaknesses
5
5th pctile
Total Assets
Current: $532.8M · Tier avg: $1.4B
9
9th pctile
Total Deposits
Current: $474.7M · Tier avg: $1.2B
15
15th pctile
Efficiency Ratio
Current: 76.22% · Tier avg: 62.63%
17
17th pctile
Total Loans
Current: $415.3M · Tier avg: $975.5M
20
20th pctile
Non-Interest Income / Assets
Current: 0.28% · Tier avg: 0.74%
21
21th pctile
Return on Assets
Current: 0.73% · Tier avg: 1.16%
25
25th pctile
Net Interest Margin
Current: 3.21% · Tier avg: 3.66%
28
28th pctile
Non-Interest-Bearing Deposit Share
Current: 15.64% · Tier avg: 21.05%
37
37th pctile
Tier 1 Capital Ratio
Current: 11.01% · Tier avg: 10.24%
58
58th pctile
Loan-to-Deposit Ratio
Current: 87.49% · Tier avg: 83.06%
85
85th pctile
Delinquency Rate
Current: 0.07% · Tier avg: 0.63%
85
85th pctile
Nonperforming Asset Ratio
Current: 0.06% · Tier avg: 0.50%