BlastPoint's Banking Scorecard
Security State Bank
Micro
Specialty: Agricultural
IA
FDIC cert 235
Designations: ✓ Community bank
Sutherland, IA
2498
banks in Micro tier nationally
167 in IA
View Micro leaderboard (IA) →
Security State Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.42% above tier
- + Efficiency Ratio 39.40% below tier
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 56.35% above tier
- - Non-Interest Income / Assets 0.47% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$480.8M
+10.9% YoY
+5.0% QoQ
|
+$263.3M |
$217.5M
+2.3% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
Top 2% in tier |
| Total Loans ? |
$432.8M
+10.7% YoY
+4.8% QoQ
|
+$293.6M |
$139.2M
+2.8% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
Top 1% in tier |
| Total Deposits ? |
$330.7M
+9.3% YoY
+9.1% QoQ
|
+$147.0M |
$183.7M
+1.8% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
Top 13% in tier |
| Return on Assets ? |
2.50%
+20.2% YoY
+2.5% QoQ
|
+1.42% |
1.08%
+14.7% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
Top 4% in tier |
| Net Interest Margin ? |
4.03%
+14.8% YoY
+0.9% QoQ
|
+0.18% |
3.85%
+6.6% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
60% |
| Efficiency Ratio ? |
28.32%
-16.7% YoY
-1.1% QoQ
|
-39.40% |
67.73%
-4.8% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
Top 1% in tier |
| Delinquency Rate ? |
0.40%
+136.4% YoY
+14.8% QoQ
|
-0.24% |
0.64%
+24.4% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
50% |
| Loan-to-Deposit Ratio ? |
130.87%
+1.2% YoY
-4.0% QoQ
|
+56.35% |
74.53%
+0.5% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
Bottom 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
15.09%
+0.1% YoY
-0.6% QoQ
|
-7.31% |
22.39%
-1.3% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
24% |
| Nonperforming Asset Ratio ? |
0.36%
+135.9% YoY
+14.5% QoQ
|
-0.09% |
0.45%
+25.1% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
46% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.10%
-42.7% YoY
+46.8% QoQ
|
-0.47% |
0.56%
+0.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
Bottom 7% in tier |
Signature Analysis
Strengths (2)
Return on Assets
metric
Top 4%
in Micro
Why this stands out
Current:
2.50%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
28.32%
(Tier avg: 67.73%, National avg: 65.09%)
Concerns (2)
Loan-to-Deposit Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
130.87%
(Tier avg: 74.53%, National avg: 78.04%)
Non-Interest Income / Assets
metric
Bottom 7%
in Micro
Why this stands out
Current:
0.10%
(Tier avg: 0.56%, National avg: 0.65%)
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
100
100th pctile
Total Loans
Current: $432.8M · Tier avg: $139.2M
100
100th pctile
Efficiency Ratio
Current: 28.32% · Tier avg: 67.73%
98
98th pctile
Total Assets
Current: $480.8M · Tier avg: $217.5M
96
96th pctile
Return on Assets
Current: 2.50% · Tier avg: 1.08%
87
87th pctile
Total Deposits
Current: $330.7M · Tier avg: $183.7M
60
60th pctile
Net Interest Margin
Current: 4.03% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
50
50th pctile
Delinquency Rate
Current: 0.40% · Tier avg: 0.64%
46
46th pctile
Nonperforming Asset Ratio
Current: 0.36% · Tier avg: 0.45%
24
24th pctile
Non-Interest-Bearing Deposit Share
Current: 15.09% · Tier avg: 22.39%
7
7th pctile
Non-Interest Income / Assets
Current: 0.10% · Tier avg: 0.56%
1
1th pctile
Loan-to-Deposit Ratio
Current: 130.87% · Tier avg: 74.53%
Top Weaknesses
1
1th pctile
Loan-to-Deposit Ratio
Current: 130.87% · Tier avg: 74.53%
7
7th pctile
Non-Interest Income / Assets
Current: 0.10% · Tier avg: 0.56%
24
24th pctile
Non-Interest-Bearing Deposit Share
Current: 15.09% · Tier avg: 22.39%
46
46th pctile
Nonperforming Asset Ratio
Current: 0.36% · Tier avg: 0.45%
50
50th pctile
Delinquency Rate
Current: 0.40% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
60
60th pctile
Net Interest Margin
Current: 4.03% · Tier avg: 3.85%
87
87th pctile
Total Deposits
Current: $330.7M · Tier avg: $183.7M
96
96th pctile
Return on Assets
Current: 2.50% · Tier avg: 1.08%
98
98th pctile
Total Assets
Current: $480.8M · Tier avg: $217.5M
100
100th pctile
Efficiency Ratio
Current: 28.32% · Tier avg: 67.73%
100
100th pctile
Total Loans
Current: $432.8M · Tier avg: $139.2M