BlastPoint's Banking Scorecard
Security State Bank of Wanamingo
Micro
Specialty: Agricultural
MN
FDIC cert 18378
Designations: ✓ Community bank
Wanamingo, MN
2498
banks in Micro tier nationally
179 in MN
View Micro leaderboard (MN) →
Security State Bank of Wanamingo shows strong momentum with 2 strengths and 17.9% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.02% above tier
- + Efficiency Ratio 19.64% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$113.6M
+17.9% YoY
+8.9% QoQ
|
-$103.9M |
$217.5M
+2.3% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
27% |
| Total Loans ? |
$93.1M
+15.9% YoY
+4.1% QoQ
|
-$46.1M |
$139.2M
+2.8% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
40% |
| Total Deposits ? |
$98.3M
+18.0% YoY
+9.8% QoQ
|
-$85.4M |
$183.7M
+1.8% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
28% |
| Return on Assets ? |
2.10%
+1.1% YoY
+1.7% QoQ
|
+1.02% |
1.08%
+14.7% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
Top 8% in tier |
| Net Interest Margin ? |
4.16%
+1.4% YoY
+0.3% QoQ
|
+0.31% |
3.85%
+6.6% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
67% |
| Efficiency Ratio ? |
48.08%
-6.9% YoY
+0.4% QoQ
|
-19.64% |
67.73%
-4.8% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
Top 8% in tier |
| Delinquency Rate ? | 0.10% | -0.54% |
0.64%
+24.4% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
70% |
| Loan-to-Deposit Ratio ? |
94.70%
-1.8% YoY
-5.2% QoQ
|
+20.17% |
74.53%
+0.5% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
Bottom 15% in tier |
| Non-Interest-Bearing Deposit Share ? |
22.06%
-6.9% YoY
+17.7% QoQ
|
-0.33% |
22.39%
-1.3% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
51% |
| Nonperforming Asset Ratio ? | 0.08% | -0.37% |
0.45%
+25.1% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
70% |
| 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 ? |
0.22%
-15.9% YoY
+26.1% QoQ
|
-0.34% |
0.56%
+0.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
26% |
Signature Analysis
Strengths (2)
Return on Assets
metric
Top 8%
in Micro
Why this stands out
Current:
2.10%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Top 8%
in Micro
Why this stands out
Current:
48.08%
(Tier avg: 67.73%, National avg: 65.09%)
Concerns (0)
No concerns identified
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
92
92th pctile
Return on Assets
Current: 2.10% · Tier avg: 1.08%
92
92th pctile
Efficiency Ratio
Current: 48.08% · Tier avg: 67.73%
70
70th pctile
Delinquency Rate
Current: 0.10% · Tier avg: 0.64%
70
70th pctile
Nonperforming Asset Ratio
Current: 0.08% · Tier avg: 0.45%
67
67th pctile
Net Interest Margin
Current: 4.16% · Tier avg: 3.85%
51
51th pctile
Non-Interest-Bearing Deposit Share
Current: 22.06% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
40
40th pctile
Total Loans
Current: $93.1M · Tier avg: $139.2M
28
28th pctile
Total Deposits
Current: $98.3M · Tier avg: $183.7M
27
27th pctile
Total Assets
Current: $113.6M · Tier avg: $217.5M
26
26th pctile
Non-Interest Income / Assets
Current: 0.22% · Tier avg: 0.56%
15
15th pctile
Loan-to-Deposit Ratio
Current: 94.70% · Tier avg: 74.53%
Top Weaknesses
15
15th pctile
Loan-to-Deposit Ratio
Current: 94.70% · Tier avg: 74.53%
26
26th pctile
Non-Interest Income / Assets
Current: 0.22% · Tier avg: 0.56%
27
27th pctile
Total Assets
Current: $113.6M · Tier avg: $217.5M
28
28th pctile
Total Deposits
Current: $98.3M · Tier avg: $183.7M
40
40th pctile
Total Loans
Current: $93.1M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
51
51th pctile
Non-Interest-Bearing Deposit Share
Current: 22.06% · Tier avg: 22.39%
67
67th pctile
Net Interest Margin
Current: 4.16% · Tier avg: 3.85%
70
70th pctile
Nonperforming Asset Ratio
Current: 0.08% · Tier avg: 0.45%
70
70th pctile
Delinquency Rate
Current: 0.10% · Tier avg: 0.64%
92
92th pctile
Efficiency Ratio
Current: 48.08% · Tier avg: 67.73%
92
92th pctile
Return on Assets
Current: 2.10% · Tier avg: 1.08%