BlastPoint's Banking Scorecard
Security National Bank of South Dakota
Micro
Specialty: Commercial
SD
FDIC cert 34394
Designations: ✓ Community bank
Dakota Dunes, SD
2498
banks in Micro tier nationally
34 in SD
View Micro leaderboard (SD) →
Security National Bank of South Dakota has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 18.43% below tier
- + Non-Interest Income / Assets 1.98% above tier
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.19% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$238.2M
-3.1% YoY
-1.3% QoQ
|
+$20.7M |
$217.5M
+2.3% YoY
|
$66.4B
+7.5% YoY
|
$5.9B
+6.5% YoY
|
60% |
| Total Loans ? |
$158.6M
+14.9% YoY
+5.4% QoQ
|
+$19.4M |
$139.2M
+2.8% YoY
|
$30.0B
+8.4% YoY
|
$3.1B
+8.5% YoY
|
63% |
| Total Deposits ? |
$184.2M
-6.6% YoY
-0.9% QoQ
|
+$520K |
$183.7M
+1.8% YoY
|
$53.6B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
55% |
| Return on Assets ? |
1.95%
+10.0% YoY
-0.9% QoQ
|
+0.87% |
1.08%
+14.7% YoY
|
1.30%
+9.7% YoY
|
1.12%
+15.6% YoY
|
Top 10% in tier |
| Net Interest Margin ? |
2.66%
+17.2% YoY
+2.4% QoQ
|
-1.19% |
3.85%
+6.6% YoY
|
4.04%
+12.2% YoY
|
3.75%
+7.1% YoY
|
Bottom 8% in tier |
| Efficiency Ratio ? |
49.30%
+0.6% YoY
+4.3% QoQ
|
-18.43% |
67.73%
-4.8% YoY
|
61.23%
-7.1% YoY
|
65.09%
-5.1% YoY
|
Top 9% in tier |
| Delinquency Rate ? |
0.00%
+161.2% YoY
|
-0.64% |
0.64%
+24.4% YoY
|
0.56%
+87.1% YoY
|
0.66%
+20.3% YoY
|
83% |
| Loan-to-Deposit Ratio ? |
86.11%
+23.0% YoY
+6.3% QoQ
|
+11.58% |
74.53%
+0.5% YoY
|
73.14%
+0.4% YoY
|
78.04%
+0.7% YoY
|
30% |
| Non-Interest-Bearing Deposit Share ? |
19.29%
-22.7% YoY
-2.5% QoQ
|
-3.10% |
22.39%
-1.3% YoY
|
20.56%
-1.2% YoY
|
21.79%
-1.3% YoY
|
40% |
| Nonperforming Asset Ratio ? |
0.00%
+209.7% YoY
|
-0.45% |
0.45%
+25.1% YoY
|
0.38%
+94.7% YoY
|
0.48%
+20.8% YoY
|
83% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
11.53%
-0.1% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
2.54%
+13.3% YoY
+37.6% QoQ
|
+1.98% |
0.56%
+0.3% YoY
|
1.02%
-4.1% YoY
|
0.65%
+0.6% YoY
|
Top 2% in tier |
Signature Analysis
Strengths (2)
Efficiency Ratio
metric
Top 9%
in Micro
Why this stands out
Current:
49.30%
(Tier avg: 67.73%, National avg: 65.09%)
Non-Interest Income / Assets
metric
Top 2%
in Micro
Why this stands out
Current:
2.54%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (1)
Net Interest Margin
metric
Bottom 8%
in Micro
Why this stands out
Current:
2.66%
(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
98
98th pctile
Non-Interest Income / Assets
Current: 2.54% · Tier avg: 0.56%
91
91th pctile
Efficiency Ratio
Current: 49.30% · Tier avg: 67.73%
90
90th pctile
Return on Assets
Current: 1.95% · Tier avg: 1.08%
83
83th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
83
83th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
63
63th pctile
Total Loans
Current: $158.6M · Tier avg: $139.2M
60
60th pctile
Total Assets
Current: $238.2M · Tier avg: $217.5M
55
55th pctile
Total Deposits
Current: $184.2M · Tier avg: $183.7M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
40
40th pctile
Non-Interest-Bearing Deposit Share
Current: 19.29% · Tier avg: 22.39%
30
30th pctile
Loan-to-Deposit Ratio
Current: 86.11% · Tier avg: 74.53%
8
8th pctile
Net Interest Margin
Current: 2.66% · Tier avg: 3.85%
Top Weaknesses
8
8th pctile
Net Interest Margin
Current: 2.66% · Tier avg: 3.85%
30
30th pctile
Loan-to-Deposit Ratio
Current: 86.11% · Tier avg: 74.53%
40
40th pctile
Non-Interest-Bearing Deposit Share
Current: 19.29% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
55
55th pctile
Total Deposits
Current: $184.2M · Tier avg: $183.7M
60
60th pctile
Total Assets
Current: $238.2M · Tier avg: $217.5M
63
63th pctile
Total Loans
Current: $158.6M · Tier avg: $139.2M
83
83th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
83
83th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
90
90th pctile
Return on Assets
Current: 1.95% · Tier avg: 1.08%
91
91th pctile
Efficiency Ratio
Current: 49.30% · Tier avg: 67.73%
98
98th pctile
Non-Interest Income / Assets
Current: 2.54% · Tier avg: 0.56%