BlastPoint's Banking Scorecard
Security State Bank
Micro
Specialty: Agricultural
IA
FDIC cert 15839
Designations: ✓ Community bank
Algona, IA
2498
banks in Micro tier nationally
167 in IA
View Micro leaderboard (IA) →
Security State Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 0.95% above tier
- + Efficiency Ratio 25.29% below tier
- + Tier 1 Capital Ratio 23.33% above tier
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.95% above tier
- - Nonperforming Asset Ratio 1.34% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$113.1M
-6.8% YoY
-4.0% QoQ
|
-$104.4M |
$217.5M
+2.3% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
26% |
| Total Loans ? |
$78.2M
+7.6% YoY
+0.6% QoQ
|
-$61.0M |
$139.2M
+2.8% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
33% |
| Total Deposits ? |
$84.1M
-11.5% YoY
-5.9% QoQ
|
-$99.5M |
$183.7M
+1.8% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
23% |
| Return on Assets ? |
2.03%
+8.1% YoY
+2.4% QoQ
|
+0.95% |
1.08%
+14.7% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
Top 9% in tier |
| Net Interest Margin ? |
4.55%
+2.9% YoY
+2.5% QoQ
|
+0.70% |
3.85%
+6.6% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
81% |
| Efficiency Ratio ? |
42.44%
-5.7% YoY
+1.8% QoQ
|
-25.29% |
67.73%
-4.8% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
Top 3% in tier |
| Delinquency Rate ? |
2.59%
+14.6% YoY
-25.2% QoQ
|
+1.95% |
0.64%
+24.4% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
Bottom 9% in tier |
| Loan-to-Deposit Ratio ? |
92.98%
+21.5% YoY
+7.0% QoQ
|
+18.45% |
74.53%
+0.5% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
82% |
| Non-Interest-Bearing Deposit Share ? |
25.52%
-2.9% YoY
+9.5% QoQ
|
+3.13% |
22.39%
-1.3% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
65% |
| Nonperforming Asset Ratio ? |
1.79%
+32.2% YoY
-21.6% QoQ
|
+1.34% |
0.45%
+25.1% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
Bottom 8% in tier |
| Tier 1 Capital Ratio ? |
32.18%
+1.6% YoY
-0.3% QoQ
|
+23.33% |
8.85%
-3.4% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
Top 3% in tier |
| Non-Interest Income / Assets ? |
0.17%
+6.7% YoY
+40.9% QoQ
|
-0.39% |
0.56%
+0.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
18% |
Signature Analysis
Strengths (3)
Return on Assets
metric
Top 9%
in Micro
Why this stands out
Current:
2.03%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Top 3%
in Micro
Why this stands out
Current:
42.44%
(Tier avg: 67.73%, National avg: 65.09%)
Tier 1 Capital Ratio
metric
Top 3%
in Micro
Why this stands out
Current:
32.18%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (2)
Delinquency Rate
metric
Bottom 9%
in Micro
Why this stands out
Current:
2.59%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 8%
in Micro
Why this stands out
Current:
1.79%
(Tier avg: 0.45%, National avg: 0.48%)
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
97
97th pctile
Efficiency Ratio
Current: 42.44% · Tier avg: 67.73%
97
97th pctile
Tier 1 Capital Ratio
Current: 32.18% · Tier avg: 8.85%
91
91th pctile
Return on Assets
Current: 2.03% · Tier avg: 1.08%
82
82th pctile
Loan-to-Deposit Ratio
Current: 92.98% · Tier avg: 74.53%
81
81th pctile
Net Interest Margin
Current: 4.55% · Tier avg: 3.85%
65
65th pctile
Non-Interest-Bearing Deposit Share
Current: 25.52% · Tier avg: 22.39%
33
33th pctile
Total Loans
Current: $78.2M · Tier avg: $139.2M
26
26th pctile
Total Assets
Current: $113.1M · Tier avg: $217.5M
23
23th pctile
Total Deposits
Current: $84.1M · Tier avg: $183.7M
18
18th pctile
Non-Interest Income / Assets
Current: 0.17% · Tier avg: 0.56%
9
9th pctile
Delinquency Rate
Current: 2.59% · Tier avg: 0.64%
8
8th pctile
Nonperforming Asset Ratio
Current: 1.79% · Tier avg: 0.45%
Top Weaknesses
8
8th pctile
Nonperforming Asset Ratio
Current: 1.79% · Tier avg: 0.45%
9
9th pctile
Delinquency Rate
Current: 2.59% · Tier avg: 0.64%
18
18th pctile
Non-Interest Income / Assets
Current: 0.17% · Tier avg: 0.56%
23
23th pctile
Total Deposits
Current: $84.1M · Tier avg: $183.7M
26
26th pctile
Total Assets
Current: $113.1M · Tier avg: $217.5M
33
33th pctile
Total Loans
Current: $78.2M · Tier avg: $139.2M
65
65th pctile
Non-Interest-Bearing Deposit Share
Current: 25.52% · Tier avg: 22.39%
81
81th pctile
Net Interest Margin
Current: 4.55% · Tier avg: 3.85%
82
82th pctile
Loan-to-Deposit Ratio
Current: 92.98% · Tier avg: 74.53%
91
91th pctile
Return on Assets
Current: 2.03% · Tier avg: 1.08%
97
97th pctile
Tier 1 Capital Ratio
Current: 32.18% · Tier avg: 8.85%
97
97th pctile
Efficiency Ratio
Current: 42.44% · Tier avg: 67.73%