BlastPoint's Banking Scorecard
The Security State Bank
Micro
Specialty: Commercial
GA
FDIC cert 19680
Designations: ✓ Community bank
Mcrae, GA
2498
banks in Micro tier nationally
87 in GA
View Micro leaderboard (GA) →
The Security State Bank demonstrates 4 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.02% above tier
- + Net Interest Margin 2.03% above tier
- + Non-Interest-Bearing Deposit Share 21.10% above tier
- + Tier 1 Capital Ratio 14.31% above 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 (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$67.8M
+3.7% YoY
+4.0% QoQ
|
-$149.7M |
$217.5M
+2.3% YoY
|
$791.9M
+9.3% YoY
|
$5.9B
+6.5% YoY
|
Bottom 12% in tier |
| Total Loans ? |
$37.8M
-0.0% YoY
+5.6% QoQ
|
-$101.4M |
$139.2M
+2.8% YoY
|
$538.5M
+10.1% YoY
|
$3.1B
+8.5% YoY
|
Bottom 14% in tier |
| Total Deposits ? |
$58.3M
+2.5% YoY
+4.3% QoQ
|
-$125.4M |
$183.7M
+1.8% YoY
|
$671.4M
+8.0% YoY
|
$4.7B
+6.3% YoY
|
Bottom 13% in tier |
| Return on Assets ? |
2.10%
+2.3% YoY
-1.3% QoQ
|
+1.02% |
1.08%
+14.7% YoY
|
1.46%
+11.8% YoY
|
1.12%
+15.6% YoY
|
Top 8% in tier |
| Net Interest Margin ? |
5.88%
-3.3% YoY
+0.4% QoQ
|
+2.03% |
3.85%
+6.6% YoY
|
4.40%
+3.8% YoY
|
3.75%
+7.1% YoY
|
Top 2% in tier |
| Efficiency Ratio ? |
60.77%
-3.4% YoY
+1.1% QoQ
|
-6.96% |
67.73%
-4.8% YoY
|
59.78%
-5.5% YoY
|
65.09%
-5.1% YoY
|
65% |
| Delinquency Rate ? |
0.52%
-5.3% QoQ
|
-0.12% |
0.64%
+24.4% YoY
|
0.67%
+32.9% YoY
|
0.66%
+20.3% YoY
|
44% |
| Loan-to-Deposit Ratio ? |
64.82%
-2.5% YoY
+1.2% QoQ
|
-9.71% |
74.53%
+0.5% YoY
|
72.12%
+2.8% YoY
|
78.04%
+0.7% YoY
|
31% |
| Non-Interest-Bearing Deposit Share ? |
43.49%
+0.5% YoY
+2.4% QoQ
|
+21.10% |
22.39%
-1.3% YoY
|
27.08%
-1.1% YoY
|
21.79%
-1.3% YoY
|
Top 5% in tier |
| Nonperforming Asset Ratio ? |
0.29%
-3.8% QoQ
|
-0.16% |
0.45%
+25.1% YoY
|
0.46%
+30.5% YoY
|
0.48%
+20.8% YoY
|
50% |
| Tier 1 Capital Ratio ? |
23.16%
+5.1% YoY
-0.3% QoQ
|
+14.31% |
8.85%
-3.4% YoY
|
12.12%
+2.1% YoY
|
9.75%
-1.9% YoY
|
Top 9% in tier |
| Non-Interest Income / Assets ? |
0.36%
+1.4% YoY
+26.4% QoQ
|
-0.20% |
0.56%
+0.3% YoY
|
0.53%
-2.9% YoY
|
0.65%
+0.6% YoY
|
50% |
Signature Analysis
Strengths (4)
Return on Assets
metric
Top 8%
in Micro
Why this stands out
Current:
2.10%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Top 2%
in Micro
Why this stands out
Current:
5.88%
(Tier avg: 3.85%, National avg: 3.75%)
Non-Interest-Bearing Deposit Share
metric
Top 5%
in Micro
Why this stands out
Current:
43.49%
(Tier avg: 22.39%, National avg: 21.79%)
Tier 1 Capital Ratio
metric
Top 9%
in Micro
Why this stands out
Current:
23.16%
(Tier avg: 8.85%, National avg: 9.75%)
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
98
98th pctile
Net Interest Margin
Current: 5.88% · Tier avg: 3.85%
95
95th pctile
Non-Interest-Bearing Deposit Share
Current: 43.49% · Tier avg: 22.39%
92
92th pctile
Return on Assets
Current: 2.10% · Tier avg: 1.08%
91
91th pctile
Tier 1 Capital Ratio
Current: 23.16% · Tier avg: 8.85%
65
65th pctile
Efficiency Ratio
Current: 60.77% · Tier avg: 67.73%
50
50th pctile
Non-Interest Income / Assets
Current: 0.36% · Tier avg: 0.56%
50
50th pctile
Nonperforming Asset Ratio
Current: 0.29% · Tier avg: 0.45%
44
44th pctile
Delinquency Rate
Current: 0.52% · Tier avg: 0.64%
31
31th pctile
Loan-to-Deposit Ratio
Current: 64.82% · Tier avg: 74.53%
14
14th pctile
Total Loans
Current: $37.8M · Tier avg: $139.2M
13
13th pctile
Total Deposits
Current: $58.3M · Tier avg: $183.7M
12
12th pctile
Total Assets
Current: $67.8M · Tier avg: $217.5M
Top Weaknesses
12
12th pctile
Total Assets
Current: $67.8M · Tier avg: $217.5M
13
13th pctile
Total Deposits
Current: $58.3M · Tier avg: $183.7M
14
14th pctile
Total Loans
Current: $37.8M · Tier avg: $139.2M
31
31th pctile
Loan-to-Deposit Ratio
Current: 64.82% · Tier avg: 74.53%
44
44th pctile
Delinquency Rate
Current: 0.52% · Tier avg: 0.64%
50
50th pctile
Nonperforming Asset Ratio
Current: 0.29% · Tier avg: 0.45%
50
50th pctile
Non-Interest Income / Assets
Current: 0.36% · Tier avg: 0.56%
65
65th pctile
Efficiency Ratio
Current: 60.77% · Tier avg: 67.73%
91
91th pctile
Tier 1 Capital Ratio
Current: 23.16% · Tier avg: 8.85%
92
92th pctile
Return on Assets
Current: 2.10% · Tier avg: 1.08%
95
95th pctile
Non-Interest-Bearing Deposit Share
Current: 43.49% · Tier avg: 22.39%
98
98th pctile
Net Interest Margin
Current: 5.88% · Tier avg: 3.85%