BlastPoint's Banking Scorecard
Security Savings Bank
Micro
Specialty: Agricultural
IL
FDIC cert 28925
Designations: ✓ Community bank
Monmouth, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
Security Savings 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
- - Non-Interest-Bearing Deposit Share 15.19% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$247.6M
+0.8% YoY
+1.9% QoQ
|
+$30.1M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
62% |
| Total Loans ? |
$151.4M
0% YoY
-0.8% QoQ
|
+$12.2M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
61% |
| Total Deposits ? |
$219.6M
+3.5% YoY
+1.6% QoQ
|
+$35.9M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
65% |
| Return on Assets ? |
0.87%
+64.8% YoY
+7.3% QoQ
|
-0.21% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
37% |
| Net Interest Margin ? |
3.60%
+26.9% YoY
+2.4% QoQ
|
-0.25% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
39% |
| Efficiency Ratio ? |
68.24%
-12.9% YoY
-2.0% QoQ
|
+0.51% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
44% |
| Delinquency Rate ? |
0.23%
+27.7% YoY
+15.9% QoQ
|
-0.41% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
60% |
| Loan-to-Deposit Ratio ? |
68.92%
-3.4% YoY
-2.4% QoQ
|
-5.61% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
63% |
| Non-Interest-Bearing Deposit Share ? |
7.20%
+15.0% YoY
+11.1% QoQ
|
-15.19% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
Bottom 7% in tier |
| Nonperforming Asset Ratio ? |
0.14%
+26.7% YoY
+12.8% QoQ
|
-0.31% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
62% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.43%
+0.3% YoY
+30.8% QoQ
|
-0.13% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
60% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Non-Interest-Bearing Deposit Share
metric
Bottom 7%
in Micro
Why this stands out
Current:
7.20%
(Tier avg: 22.39%, National avg: 21.79%)
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
65
65th pctile
Total Deposits
Current: $219.6M · Tier avg: $183.7M
63
63th pctile
Loan-to-Deposit Ratio
Current: 68.92% · Tier avg: 74.53%
62
62th pctile
Nonperforming Asset Ratio
Current: 0.14% · Tier avg: 0.45%
62
62th pctile
Total Assets
Current: $247.6M · Tier avg: $217.5M
61
61th pctile
Total Loans
Current: $151.4M · Tier avg: $139.2M
60
60th pctile
Non-Interest Income / Assets
Current: 0.43% · Tier avg: 0.56%
60
60th pctile
Delinquency Rate
Current: 0.23% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
44
44th pctile
Efficiency Ratio
Current: 68.24% · Tier avg: 67.73%
39
39th pctile
Net Interest Margin
Current: 3.60% · Tier avg: 3.85%
37
37th pctile
Return on Assets
Current: 0.87% · Tier avg: 1.08%
7
7th pctile
Non-Interest-Bearing Deposit Share
Current: 7.20% · Tier avg: 22.39%
Top Weaknesses
7
7th pctile
Non-Interest-Bearing Deposit Share
Current: 7.20% · Tier avg: 22.39%
37
37th pctile
Return on Assets
Current: 0.87% · Tier avg: 1.08%
39
39th pctile
Net Interest Margin
Current: 3.60% · Tier avg: 3.85%
44
44th pctile
Efficiency Ratio
Current: 68.24% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
60
60th pctile
Delinquency Rate
Current: 0.23% · Tier avg: 0.64%
60
60th pctile
Non-Interest Income / Assets
Current: 0.43% · Tier avg: 0.56%
61
61th pctile
Total Loans
Current: $151.4M · Tier avg: $139.2M
62
62th pctile
Total Assets
Current: $247.6M · Tier avg: $217.5M
62
62th pctile
Nonperforming Asset Ratio
Current: 0.14% · Tier avg: 0.45%
63
63th pctile
Loan-to-Deposit Ratio
Current: 68.92% · Tier avg: 74.53%
65
65th pctile
Total Deposits
Current: $219.6M · Tier avg: $183.7M