BlastPoint's Banking Scorecard
The Security National Bank of Sioux City, Iowa
Community
Specialty: Agricultural
IA
FDIC cert 4506
Sioux City, IA
1484
banks in Community tier nationally
58 in IA
View Community leaderboard (IA) →
The Security National Bank of Sioux City, Iowa has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 28% in Community
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 30% in Community
- - Credit Risk Growth: Bottom 35% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.7B
+2.5% YoY
-1.6% QoQ
|
+$287.0M |
$1.4B
+2.0% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
74% |
| Total Loans ? |
$1.1B
+6.7% YoY
+0.7% QoQ
|
+$161.0M |
$975.5M
+2.4% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
73% |
| Total Deposits ? |
$1.3B
+11.1% YoY
-0.7% QoQ
|
+$168.7M |
$1.2B
+1.7% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
72% |
| Return on Assets ? |
1.55%
+11.2% YoY
-3.6% QoQ
|
+0.38% |
1.16%
+17.2% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
76% |
| Net Interest Margin ? |
3.24%
+5.5% YoY
+1.2% QoQ
|
-0.42% |
3.66%
+9.1% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
27% |
| Efficiency Ratio ? |
55.70%
-3.5% YoY
+4.2% QoQ
|
-6.93% |
62.63%
-5.3% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
71% |
| Delinquency Rate ? |
0.44%
+68.0% YoY
-6.9% QoQ
|
-0.19% |
0.63%
+18.3% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
51% |
| Loan-to-Deposit Ratio ? |
85.24%
-4.0% YoY
+1.5% QoQ
|
+2.18% |
83.06%
+0.3% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
49% |
| Non-Interest-Bearing Deposit Share ? |
31.53%
-1.0% YoY
+13.6% QoQ
|
+10.48% |
21.05%
-0.9% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
Top 13% in tier |
| Nonperforming Asset Ratio ? |
0.30%
+74.9% YoY
-4.8% QoQ
|
-0.20% |
0.50%
+20.3% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
54% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
1.41%
+4.2% YoY
+36.9% QoQ
|
+0.67% |
0.74%
-1.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
Top 8% in tier |
Signature Analysis
Strengths (1)
Revenue Diversifier
growth
#104 of 371 · Top 28% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
1.41%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
1.55%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank improving
Concerns (2)
Capital Thin
risk
#130 of 432 · Bottom 30% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank improving
Credit Risk Growth
risk
#225 of 642 · Bottom 35% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank improving
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
92
92th pctile
Non-Interest Income / Assets
Current: 1.41% · Tier avg: 0.74%
87
87th pctile
Non-Interest-Bearing Deposit Share
Current: 31.53% · Tier avg: 21.05%
76
76th pctile
Return on Assets
Current: 1.55% · Tier avg: 1.16%
74
74th pctile
Total Assets
Current: $1.7B · Tier avg: $1.4B
73
73th pctile
Total Loans
Current: $1.1B · Tier avg: $975.5M
72
72th pctile
Total Deposits
Current: $1.3B · Tier avg: $1.2B
71
71th pctile
Efficiency Ratio
Current: 55.70% · Tier avg: 62.63%
54
54th pctile
Nonperforming Asset Ratio
Current: 0.30% · Tier avg: 0.50%
51
51th pctile
Delinquency Rate
Current: 0.44% · Tier avg: 0.63%
49
49th pctile
Loan-to-Deposit Ratio
Current: 85.24% · Tier avg: 83.06%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
27
27th pctile
Net Interest Margin
Current: 3.24% · Tier avg: 3.66%
Top Weaknesses
27
27th pctile
Net Interest Margin
Current: 3.24% · Tier avg: 3.66%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
49
49th pctile
Loan-to-Deposit Ratio
Current: 85.24% · Tier avg: 83.06%
51
51th pctile
Delinquency Rate
Current: 0.44% · Tier avg: 0.63%
54
54th pctile
Nonperforming Asset Ratio
Current: 0.30% · Tier avg: 0.50%
71
71th pctile
Efficiency Ratio
Current: 55.70% · Tier avg: 62.63%
72
72th pctile
Total Deposits
Current: $1.3B · Tier avg: $1.2B
73
73th pctile
Total Loans
Current: $1.1B · Tier avg: $975.5M
74
74th pctile
Total Assets
Current: $1.7B · Tier avg: $1.4B
76
76th pctile
Return on Assets
Current: 1.55% · Tier avg: 1.16%
87
87th pctile
Non-Interest-Bearing Deposit Share
Current: 31.53% · Tier avg: 21.05%
92
92th pctile
Non-Interest Income / Assets
Current: 1.41% · Tier avg: 0.74%