BlastPoint's Banking Scorecard
The Security State Bank
Micro
Specialty: Agricultural
SD
FDIC cert 15749
Designations: ✓ Community bank
Emery, SD
2498
banks in Micro tier nationally
34 in SD
View Micro leaderboard (SD) →
The Security State Bank has 5 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.14% above tier
- + Efficiency Ratio 31.64% below tier
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
- + Tier 1 Capital Ratio 30.16% above tier
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 34.18% below tier
- - Non-Interest Income / Assets 0.49% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$61.1M
+5.5% YoY
+2.2% QoQ
|
-$156.4M |
$217.5M
+2.3% YoY
|
$66.4B
+7.5% YoY
|
$5.9B
+6.5% YoY
|
Bottom 10% in tier |
| Total Loans ? |
$19.8M
+14.1% YoY
+7.9% QoQ
|
-$119.4M |
$139.2M
+2.8% YoY
|
$30.0B
+8.4% YoY
|
$3.1B
+8.5% YoY
|
Bottom 7% in tier |
| Total Deposits ? |
$49.0M
+3.7% YoY
+2.1% QoQ
|
-$134.7M |
$183.7M
+1.8% YoY
|
$53.6B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
Bottom 10% in tier |
| Return on Assets ? |
2.22%
+23.2% YoY
+5.5% QoQ
|
+1.14% |
1.08%
+14.7% YoY
|
1.30%
+9.7% YoY
|
1.12%
+15.6% YoY
|
Top 6% in tier |
| Net Interest Margin ? |
4.70%
+5.5% YoY
-0.1% QoQ
|
+0.84% |
3.85%
+6.6% YoY
|
4.04%
+12.2% YoY
|
3.75%
+7.1% YoY
|
84% |
| Efficiency Ratio ? |
36.09%
-18.4% YoY
+10.4% QoQ
|
-31.64% |
67.73%
-4.8% YoY
|
61.23%
-7.1% YoY
|
65.09%
-5.1% YoY
|
Top 1% in tier |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.56%
+87.1% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
40.34%
+10.1% YoY
+5.7% QoQ
|
-34.18% |
74.53%
+0.5% YoY
|
73.14%
+0.4% YoY
|
78.04%
+0.7% YoY
|
Bottom 6% in tier |
| Non-Interest-Bearing Deposit Share ? |
30.04%
-5.9% YoY
-4.3% QoQ
|
+7.65% |
22.39%
-1.3% YoY
|
20.56%
-1.2% YoY
|
21.79%
-1.3% YoY
|
79% |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.38%
+94.7% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
39.02%
+3.0% YoY
-0.5% QoQ
|
+30.16% |
8.85%
-3.4% YoY
|
11.53%
-0.1% YoY
|
9.75%
-1.9% YoY
|
Top 1% in tier |
| Non-Interest Income / Assets ? |
0.08%
+89.6% YoY
+28.6% QoQ
|
-0.49% |
0.56%
+0.3% YoY
|
1.02%
-4.1% YoY
|
0.65%
+0.6% YoY
|
Bottom 5% in tier |
Signature Analysis
Strengths (5)
Return on Assets
metric
Top 6%
in Micro
Why this stands out
Current:
2.22%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
36.09%
(Tier avg: 67.73%, National avg: 65.09%)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Tier 1 Capital Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
39.02%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (2)
Loan-to-Deposit Ratio
metric
Bottom 6%
in Micro
Why this stands out
Current:
40.34%
(Tier avg: 74.53%, National avg: 78.04%)
Non-Interest Income / Assets
metric
Bottom 5%
in Micro
Why this stands out
Current:
0.08%
(Tier avg: 0.56%, National avg: 0.65%)
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
99
99th pctile
Efficiency Ratio
Current: 36.09% · Tier avg: 67.73%
99
99th pctile
Tier 1 Capital Ratio
Current: 39.02% · Tier avg: 8.85%
94
94th pctile
Return on Assets
Current: 2.22% · Tier avg: 1.08%
84
84th pctile
Net Interest Margin
Current: 4.70% · Tier avg: 3.85%
79
79th pctile
Non-Interest-Bearing Deposit Share
Current: 30.04% · Tier avg: 22.39%
10
10th pctile
Total Assets
Current: $61.1M · Tier avg: $217.5M
10
10th pctile
Total Deposits
Current: $49.0M · Tier avg: $183.7M
7
7th pctile
Total Loans
Current: $19.8M · Tier avg: $139.2M
6
6th pctile
Loan-to-Deposit Ratio
Current: 40.34% · Tier avg: 74.53%
5
5th pctile
Non-Interest Income / Assets
Current: 0.08% · Tier avg: 0.56%
Top Weaknesses
5
5th pctile
Non-Interest Income / Assets
Current: 0.08% · Tier avg: 0.56%
6
6th pctile
Loan-to-Deposit Ratio
Current: 40.34% · Tier avg: 74.53%
7
7th pctile
Total Loans
Current: $19.8M · Tier avg: $139.2M
10
10th pctile
Total Deposits
Current: $49.0M · Tier avg: $183.7M
10
10th pctile
Total Assets
Current: $61.1M · Tier avg: $217.5M
79
79th pctile
Non-Interest-Bearing Deposit Share
Current: 30.04% · Tier avg: 22.39%
84
84th pctile
Net Interest Margin
Current: 4.70% · Tier avg: 3.85%
94
94th pctile
Return on Assets
Current: 2.22% · Tier avg: 1.08%
99
99th pctile
Tier 1 Capital Ratio
Current: 39.02% · Tier avg: 8.85%
99
99th pctile
Efficiency Ratio
Current: 36.09% · Tier avg: 67.73%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%