BlastPoint's Banking Scorecard
Security State Bank
Community
Specialty: Agricultural
KS
FDIC cert 18374
Scott City, KS
1484
banks in Community tier nationally
38 in KS
View Community leaderboard (KS) →
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
- - Liquidity Strain: Bottom 37% in Community
- - Credit Risk Growth: Bottom 41% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$999.1M
+7.5% YoY
+1.5% QoQ
|
-$392.4M |
$1.4B
+2.0% YoY
|
$500.0M
+7.2% YoY
|
$5.9B
+6.5% YoY
|
50% |
| Total Loans ? |
$756.8M
+6.8% YoY
+1.4% QoQ
|
-$218.6M |
$975.5M
+2.4% YoY
|
$330.9M
+7.5% YoY
|
$3.1B
+8.5% YoY
|
54% |
| Total Deposits ? |
$798.3M
+15.5% YoY
+5.1% QoQ
|
-$366.3M |
$1.2B
+1.7% YoY
|
$415.2M
+7.6% YoY
|
$4.7B
+6.3% YoY
|
46% |
| Return on Assets ? |
1.23%
+50.4% YoY
+6.7% QoQ
|
+0.07% |
1.16%
+17.2% YoY
|
1.26%
+16.9% YoY
|
1.12%
+15.6% YoY
|
58% |
| Net Interest Margin ? |
3.39%
+4.3% YoY
+1.1% QoQ
|
-0.27% |
3.66%
+9.1% YoY
|
3.85%
+7.2% YoY
|
3.75%
+7.1% YoY
|
36% |
| Efficiency Ratio ? |
46.91%
-9.3% YoY
+1.9% QoQ
|
-15.72% |
62.63%
-5.3% YoY
|
63.53%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Top 11% in tier |
| Delinquency Rate ? |
0.27%
+947.1% YoY
-0.2% QoQ
|
-0.35% |
0.63%
+18.3% YoY
|
0.50%
+113.1% YoY
|
0.66%
+20.3% YoY
|
63% |
| Loan-to-Deposit Ratio ? |
94.80%
-7.5% YoY
-3.5% QoQ
|
+11.74% |
83.06%
+0.3% YoY
|
73.36%
+1.4% YoY
|
78.04%
+0.7% YoY
|
23% |
| Non-Interest-Bearing Deposit Share ? |
12.01%
-7.9% YoY
+16.9% QoQ
|
-9.03% |
21.05%
-0.9% YoY
|
21.92%
-1.8% YoY
|
21.79%
-1.3% YoY
|
15% |
| Nonperforming Asset Ratio ? |
0.26%
+23.3% QoQ
|
-0.24% |
0.50%
+20.3% YoY
|
0.36%
+79.7% YoY
|
0.48%
+20.8% YoY
|
58% |
| Tier 1 Capital Ratio ? |
11.52%
+4.6% YoY
-0.3% QoQ
|
+1.28% |
10.24%
-0.6% YoY
|
7.38%
-10.4% YoY
|
9.75%
-1.9% YoY
|
42% |
| Non-Interest Income / Assets ? |
0.31%
+20.6% YoY
+30.0% QoQ
|
-0.42% |
0.74%
-1.3% YoY
|
0.59%
+2.2% YoY
|
0.65%
+0.6% YoY
|
25% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Liquidity Strain
risk
#192 of 513 · Bottom 37% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
94.80%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
Credit Risk Growth
risk
#261 of 642 · Bottom 41% 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
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
89
89th pctile
Efficiency Ratio
Current: 46.91% · Tier avg: 62.63%
63
63th pctile
Delinquency Rate
Current: 0.27% · Tier avg: 0.63%
58
58th pctile
Nonperforming Asset Ratio
Current: 0.26% · Tier avg: 0.50%
58
58th pctile
Return on Assets
Current: 1.23% · Tier avg: 1.16%
54
54th pctile
Total Loans
Current: $756.8M · Tier avg: $975.5M
50
50th pctile
Total Assets
Current: $999.1M · Tier avg: $1.4B
46
46th pctile
Total Deposits
Current: $798.3M · Tier avg: $1.2B
42
42th pctile
Tier 1 Capital Ratio
Current: 11.52% · Tier avg: 10.24%
36
36th pctile
Net Interest Margin
Current: 3.39% · Tier avg: 3.66%
25
25th pctile
Non-Interest Income / Assets
Current: 0.31% · Tier avg: 0.74%
23
23th pctile
Loan-to-Deposit Ratio
Current: 94.80% · Tier avg: 83.06%
15
15th pctile
Non-Interest-Bearing Deposit Share
Current: 12.01% · Tier avg: 21.05%
Top Weaknesses
15
15th pctile
Non-Interest-Bearing Deposit Share
Current: 12.01% · Tier avg: 21.05%
23
23th pctile
Loan-to-Deposit Ratio
Current: 94.80% · Tier avg: 83.06%
25
25th pctile
Non-Interest Income / Assets
Current: 0.31% · Tier avg: 0.74%
36
36th pctile
Net Interest Margin
Current: 3.39% · Tier avg: 3.66%
42
42th pctile
Tier 1 Capital Ratio
Current: 11.52% · Tier avg: 10.24%
46
46th pctile
Total Deposits
Current: $798.3M · Tier avg: $1.2B
50
50th pctile
Total Assets
Current: $999.1M · Tier avg: $1.4B
54
54th pctile
Total Loans
Current: $756.8M · Tier avg: $975.5M
58
58th pctile
Return on Assets
Current: 1.23% · Tier avg: 1.16%
58
58th pctile
Nonperforming Asset Ratio
Current: 0.26% · Tier avg: 0.50%
63
63th pctile
Delinquency Rate
Current: 0.27% · Tier avg: 0.63%
89
89th pctile
Efficiency Ratio
Current: 46.91% · Tier avg: 62.63%