BlastPoint's Banking Scorecard
Security State Bank of Aitkin
Micro
Specialty: Commercial
MN
FDIC cert 16656
Designations: ✓ Community bank
Aitkin, MN
2498
banks in Micro tier nationally
179 in MN
View Micro leaderboard (MN) →
Security State Bank of Aitkin 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
- - Delinquency Rate 1.93% above tier
- - Nonperforming Asset Ratio 1.23% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$112.6M
+2.0% YoY
+0.1% QoQ
|
-$104.9M |
$217.5M
+2.3% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
26% |
| Total Loans ? |
$52.7M
+15.5% YoY
+2.9% QoQ
|
-$86.5M |
$139.2M
+2.8% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
21% |
| Total Deposits ? |
$104.5M
+1.2% YoY
-0.3% QoQ
|
-$79.1M |
$183.7M
+1.8% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
30% |
| Return on Assets ? |
1.00%
+0.8% YoY
-7.2% QoQ
|
-0.08% |
1.08%
+14.7% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
46% |
| Net Interest Margin ? |
4.06%
+5.0% YoY
-0.8% QoQ
|
+0.21% |
3.85%
+6.6% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
61% |
| Efficiency Ratio ? |
74.59%
+2.5% YoY
+2.5% QoQ
|
+6.86% |
67.73%
-4.8% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
29% |
| Delinquency Rate ? |
2.57%
+108.8% QoQ
|
+1.93% |
0.64%
+24.4% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
Bottom 9% in tier |
| Loan-to-Deposit Ratio ? |
50.40%
+14.1% YoY
+3.1% QoQ
|
-24.13% |
74.53%
+0.5% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
Top 13% in tier |
| Non-Interest-Bearing Deposit Share ? |
33.08%
-5.6% YoY
-1.2% QoQ
|
+10.69% |
22.39%
-1.3% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
Top 15% in tier |
| Nonperforming Asset Ratio ? |
1.68%
+215.5% YoY
+55.8% QoQ
|
+1.23% |
0.45%
+25.1% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
Bottom 10% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.19%
-10.5% YoY
+39.3% QoQ
|
-0.37% |
0.56%
+0.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
23% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Delinquency Rate
metric
Bottom 9%
in Micro
Why this stands out
Current:
2.57%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 10%
in Micro
Why this stands out
Current:
1.68%
(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
87
87th pctile
Loan-to-Deposit Ratio
Current: 50.40% · Tier avg: 74.53%
85
85th pctile
Non-Interest-Bearing Deposit Share
Current: 33.08% · Tier avg: 22.39%
61
61th pctile
Net Interest Margin
Current: 4.06% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
46
46th pctile
Return on Assets
Current: 1.00% · Tier avg: 1.08%
30
30th pctile
Total Deposits
Current: $104.5M · Tier avg: $183.7M
29
29th pctile
Efficiency Ratio
Current: 74.59% · Tier avg: 67.73%
26
26th pctile
Total Assets
Current: $112.6M · Tier avg: $217.5M
23
23th pctile
Non-Interest Income / Assets
Current: 0.19% · Tier avg: 0.56%
21
21th pctile
Total Loans
Current: $52.7M · Tier avg: $139.2M
10
10th pctile
Nonperforming Asset Ratio
Current: 1.68% · Tier avg: 0.45%
9
9th pctile
Delinquency Rate
Current: 2.57% · Tier avg: 0.64%
Top Weaknesses
9
9th pctile
Delinquency Rate
Current: 2.57% · Tier avg: 0.64%
10
10th pctile
Nonperforming Asset Ratio
Current: 1.68% · Tier avg: 0.45%
21
21th pctile
Total Loans
Current: $52.7M · Tier avg: $139.2M
23
23th pctile
Non-Interest Income / Assets
Current: 0.19% · Tier avg: 0.56%
26
26th pctile
Total Assets
Current: $112.6M · Tier avg: $217.5M
29
29th pctile
Efficiency Ratio
Current: 74.59% · Tier avg: 67.73%
30
30th pctile
Total Deposits
Current: $104.5M · Tier avg: $183.7M
46
46th pctile
Return on Assets
Current: 1.00% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
61
61th pctile
Net Interest Margin
Current: 4.06% · Tier avg: 3.85%
85
85th pctile
Non-Interest-Bearing Deposit Share
Current: 33.08% · Tier avg: 22.39%
87
87th pctile
Loan-to-Deposit Ratio
Current: 50.40% · Tier avg: 74.53%