BlastPoint's Banking Scorecard
Security State Bank
Micro
Specialty: Agricultural
IA
FDIC cert 18448
Designations: ✓ Community bank
Radcliffe, IA
2498
banks in Micro tier nationally
167 in IA
View Micro leaderboard (IA) →
Security State Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.24% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$113.7M
+1.4% YoY
-2.9% QoQ
|
-$103.8M |
$217.5M
+2.3% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
27% |
| Total Loans ? |
$57.6M
+9.3% YoY
+2.1% QoQ
|
-$81.5M |
$139.2M
+2.8% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
24% |
| Total Deposits ? |
$103.5M
+0.6% YoY
-3.5% QoQ
|
-$80.1M |
$183.7M
+1.8% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
30% |
| Return on Assets ? |
0.69%
+301.6% YoY
+9.2% QoQ
|
-0.39% |
1.08%
+14.7% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
27% |
| Net Interest Margin ? |
2.61%
+31.0% YoY
+4.4% QoQ
|
-1.24% |
3.85%
+6.6% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 7% in tier |
| Efficiency Ratio ? |
70.84%
-22.4% YoY
-0.0% QoQ
|
+3.11% |
67.73%
-4.8% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
38% |
| Delinquency Rate ? |
1.47%
-39.8% YoY
-32.5% QoQ
|
+0.83% |
0.64%
+24.4% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
19% |
| Loan-to-Deposit Ratio ? |
55.68%
+8.6% YoY
+5.7% QoQ
|
-18.85% |
74.53%
+0.5% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
19% |
| Non-Interest-Bearing Deposit Share ? |
18.89%
-4.9% YoY
+3.2% QoQ
|
-3.51% |
22.39%
-1.3% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
38% |
| Nonperforming Asset Ratio ? |
0.75%
-35.1% YoY
-29.1% QoQ
|
+0.29% |
0.45%
+25.1% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
27% |
| Tier 1 Capital Ratio ? |
13.82%
-6.5% YoY
-0.7% QoQ
|
+4.97% |
8.85%
-3.4% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
67% |
| Non-Interest Income / Assets ? |
0.18%
-20.0% YoY
+35.3% QoQ
|
-0.39% |
0.56%
+0.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
19% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Net Interest Margin
metric
Bottom 7%
in Micro
Why this stands out
Current:
2.61%
(Tier avg: 3.85%, National avg: 3.75%)
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
67
67th pctile
Tier 1 Capital Ratio
Current: 13.82% · Tier avg: 8.85%
38
38th pctile
Efficiency Ratio
Current: 70.84% · Tier avg: 67.73%
38
38th pctile
Non-Interest-Bearing Deposit Share
Current: 18.89% · Tier avg: 22.39%
30
30th pctile
Total Deposits
Current: $103.5M · Tier avg: $183.7M
27
27th pctile
Return on Assets
Current: 0.69% · Tier avg: 1.08%
27
27th pctile
Total Assets
Current: $113.7M · Tier avg: $217.5M
27
27th pctile
Nonperforming Asset Ratio
Current: 0.75% · Tier avg: 0.45%
24
24th pctile
Total Loans
Current: $57.6M · Tier avg: $139.2M
19
19th pctile
Non-Interest Income / Assets
Current: 0.18% · Tier avg: 0.56%
19
19th pctile
Delinquency Rate
Current: 1.47% · Tier avg: 0.64%
19
19th pctile
Loan-to-Deposit Ratio
Current: 55.68% · Tier avg: 74.53%
7
7th pctile
Net Interest Margin
Current: 2.61% · Tier avg: 3.85%
Top Weaknesses
7
7th pctile
Net Interest Margin
Current: 2.61% · Tier avg: 3.85%
19
19th pctile
Loan-to-Deposit Ratio
Current: 55.68% · Tier avg: 74.53%
19
19th pctile
Delinquency Rate
Current: 1.47% · Tier avg: 0.64%
19
19th pctile
Non-Interest Income / Assets
Current: 0.18% · Tier avg: 0.56%
24
24th pctile
Total Loans
Current: $57.6M · Tier avg: $139.2M
27
27th pctile
Nonperforming Asset Ratio
Current: 0.75% · Tier avg: 0.45%
27
27th pctile
Total Assets
Current: $113.7M · Tier avg: $217.5M
27
27th pctile
Return on Assets
Current: 0.69% · Tier avg: 1.08%
30
30th pctile
Total Deposits
Current: $103.5M · Tier avg: $183.7M
38
38th pctile
Non-Interest-Bearing Deposit Share
Current: 18.89% · Tier avg: 22.39%
38
38th pctile
Efficiency Ratio
Current: 70.84% · Tier avg: 67.73%
67
67th pctile
Tier 1 Capital Ratio
Current: 13.82% · Tier avg: 8.85%