BlastPoint's Banking Scorecard
Security State Bank
Micro
Specialty: Agricultural
SD
FDIC cert 16448
Designations: ✓ Community bank
Alexandria, SD
2498
banks in Micro tier nationally
34 in SD
View Micro leaderboard (SD) →
Security State Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 2.75% below tier
- - Non-Interest Income / Assets 0.47% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$107.1M
+4.6% YoY
+1.7% QoQ
|
-$110.4M |
$217.5M
+2.3% YoY
|
$66.4B
+7.5% YoY
|
$5.9B
+6.5% YoY
|
25% |
| Total Loans ? |
$56.8M
-14.2% YoY
-1.3% QoQ
|
-$82.4M |
$139.2M
+2.8% YoY
|
$30.0B
+8.4% YoY
|
$3.1B
+8.5% YoY
|
23% |
| Total Deposits ? |
$99.3M
+6.1% YoY
+2.3% QoQ
|
-$84.3M |
$183.7M
+1.8% YoY
|
$53.6B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
28% |
| Return on Assets ? |
-1.66%
-420.1% YoY
-0.9% QoQ
|
-2.75% |
1.08%
+14.7% YoY
|
1.30%
+9.7% YoY
|
1.12%
+15.6% YoY
|
Bottom 1% in tier |
| Net Interest Margin ? |
3.69%
+20.0% YoY
+0.8% QoQ
|
-0.16% |
3.85%
+6.6% YoY
|
4.04%
+12.2% YoY
|
3.75%
+7.1% YoY
|
44% |
| Efficiency Ratio ? |
70.84%
-10.8% YoY
-0.6% QoQ
|
+3.11% |
67.73%
-4.8% YoY
|
61.23%
-7.1% YoY
|
65.09%
-5.1% YoY
|
38% |
| Delinquency Rate ? | 1.82% | +1.18% |
0.64%
+24.4% YoY
|
0.56%
+87.1% YoY
|
0.66%
+20.3% YoY
|
Bottom 15% in tier |
| Loan-to-Deposit Ratio ? |
57.19%
-19.2% YoY
-3.5% QoQ
|
-17.33% |
74.53%
+0.5% YoY
|
73.14%
+0.4% YoY
|
78.04%
+0.7% YoY
|
80% |
| Non-Interest-Bearing Deposit Share ? |
28.40%
+11.6% YoY
+9.2% QoQ
|
+6.00% |
22.39%
-1.3% YoY
|
20.56%
-1.2% YoY
|
21.79%
-1.3% YoY
|
74% |
| Nonperforming Asset Ratio ? | 0.96% | +0.51% |
0.45%
+25.1% YoY
|
0.38%
+94.7% YoY
|
0.48%
+20.8% YoY
|
20% |
| Tier 1 Capital Ratio ? |
12.33%
-7.1% QoQ
|
+3.48% |
8.85%
-3.4% YoY
|
11.53%
-0.1% YoY
|
9.75%
-1.9% YoY
|
60% |
| Non-Interest Income / Assets ? |
0.09%
-21.9% YoY
+46.7% QoQ
|
-0.47% |
0.56%
+0.3% YoY
|
1.02%
-4.1% YoY
|
0.65%
+0.6% YoY
|
Bottom 6% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Return on Assets
metric
Bottom 1%
in Micro
Why this stands out
Current:
-1.66%
(Tier avg: 1.08%, National avg: 1.12%)
Non-Interest Income / Assets
metric
Bottom 6%
in Micro
Why this stands out
Current:
0.09%
(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
80
80th pctile
Loan-to-Deposit Ratio
Current: 57.19% · Tier avg: 74.53%
74
74th pctile
Non-Interest-Bearing Deposit Share
Current: 28.40% · Tier avg: 22.39%
60
60th pctile
Tier 1 Capital Ratio
Current: 12.33% · Tier avg: 8.85%
44
44th pctile
Net Interest Margin
Current: 3.69% · Tier avg: 3.85%
38
38th pctile
Efficiency Ratio
Current: 70.84% · Tier avg: 67.73%
28
28th pctile
Total Deposits
Current: $99.3M · Tier avg: $183.7M
25
25th pctile
Total Assets
Current: $107.1M · Tier avg: $217.5M
23
23th pctile
Total Loans
Current: $56.8M · Tier avg: $139.2M
20
20th pctile
Nonperforming Asset Ratio
Current: 0.96% · Tier avg: 0.45%
15
15th pctile
Delinquency Rate
Current: 1.82% · Tier avg: 0.64%
6
6th pctile
Non-Interest Income / Assets
Current: 0.09% · Tier avg: 0.56%
1
1th pctile
Return on Assets
Current: -1.66% · Tier avg: 1.08%
Top Weaknesses
1
1th pctile
Return on Assets
Current: -1.66% · Tier avg: 1.08%
6
6th pctile
Non-Interest Income / Assets
Current: 0.09% · Tier avg: 0.56%
15
15th pctile
Delinquency Rate
Current: 1.82% · Tier avg: 0.64%
20
20th pctile
Nonperforming Asset Ratio
Current: 0.96% · Tier avg: 0.45%
23
23th pctile
Total Loans
Current: $56.8M · Tier avg: $139.2M
25
25th pctile
Total Assets
Current: $107.1M · Tier avg: $217.5M
28
28th pctile
Total Deposits
Current: $99.3M · Tier avg: $183.7M
38
38th pctile
Efficiency Ratio
Current: 70.84% · Tier avg: 67.73%
44
44th pctile
Net Interest Margin
Current: 3.69% · Tier avg: 3.85%
60
60th pctile
Tier 1 Capital Ratio
Current: 12.33% · Tier avg: 8.85%
74
74th pctile
Non-Interest-Bearing Deposit Share
Current: 28.40% · Tier avg: 22.39%
80
80th pctile
Loan-to-Deposit Ratio
Current: 57.19% · Tier avg: 74.53%