BlastPoint's Banking Scorecard
Security Bank Midwest
Micro
Specialty: Agricultural
SD
FDIC cert 485
Designations: ✓ Community bank
Tyndall, SD
2498
banks in Micro tier nationally
34 in SD
View Micro leaderboard (SD) →
Security Bank Midwest demonstrates 2 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below 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 (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$328.3M
-4.7% YoY
-1.1% QoQ
|
+$110.8M |
$217.5M
+2.3% YoY
|
$66.4B
+7.5% YoY
|
$5.9B
+6.5% YoY
|
77% |
| Total Loans ? |
$216.0M
-6.5% YoY
-1.3% QoQ
|
+$76.8M |
$139.2M
+2.8% YoY
|
$30.0B
+8.4% YoY
|
$3.1B
+8.5% YoY
|
78% |
| Total Deposits ? |
$245.5M
-4.4% YoY
+2.0% QoQ
|
+$61.8M |
$183.7M
+1.8% YoY
|
$53.6B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
70% |
| Return on Assets ? |
0.75%
-29.2% YoY
-3.2% QoQ
|
-0.33% |
1.08%
+14.7% YoY
|
1.30%
+9.7% YoY
|
1.12%
+15.6% YoY
|
31% |
| Net Interest Margin ? |
3.26%
-1.6% YoY
+0.4% QoQ
|
-0.60% |
3.85%
+6.6% YoY
|
4.04%
+12.2% YoY
|
3.75%
+7.1% YoY
|
24% |
| Efficiency Ratio ? |
75.27%
+12.9% YoY
+1.4% QoQ
|
+7.55% |
67.73%
-4.8% YoY
|
61.23%
-7.1% YoY
|
65.09%
-5.1% YoY
|
28% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-0.64% |
0.64%
+24.4% YoY
|
0.56%
+87.1% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
87.98%
-2.2% YoY
-3.2% QoQ
|
+13.46% |
74.53%
+0.5% YoY
|
73.14%
+0.4% YoY
|
78.04%
+0.7% YoY
|
73% |
| Non-Interest-Bearing Deposit Share ? |
20.39%
+8.3% YoY
+2.8% QoQ
|
-2.00% |
22.39%
-1.3% YoY
|
20.56%
-1.2% YoY
|
21.79%
-1.3% YoY
|
44% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-0.45% |
0.45%
+25.1% YoY
|
0.38%
+94.7% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| 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 ? |
0.16%
-29.1% YoY
+21.7% QoQ
|
-0.41% |
0.56%
+0.3% YoY
|
1.02%
-4.1% YoY
|
0.65%
+0.6% YoY
|
16% |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
78
78th pctile
Total Loans
Current: $216.0M · Tier avg: $139.2M
77
77th pctile
Total Assets
Current: $328.3M · Tier avg: $217.5M
73
73th pctile
Loan-to-Deposit Ratio
Current: 87.98% · Tier avg: 74.53%
70
70th pctile
Total Deposits
Current: $245.5M · Tier avg: $183.7M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
44
44th pctile
Non-Interest-Bearing Deposit Share
Current: 20.39% · Tier avg: 22.39%
31
31th pctile
Return on Assets
Current: 0.75% · Tier avg: 1.08%
28
28th pctile
Efficiency Ratio
Current: 75.27% · Tier avg: 67.73%
24
24th pctile
Net Interest Margin
Current: 3.26% · Tier avg: 3.85%
16
16th pctile
Non-Interest Income / Assets
Current: 0.16% · Tier avg: 0.56%
Top Weaknesses
16
16th pctile
Non-Interest Income / Assets
Current: 0.16% · Tier avg: 0.56%
24
24th pctile
Net Interest Margin
Current: 3.26% · Tier avg: 3.85%
28
28th pctile
Efficiency Ratio
Current: 75.27% · Tier avg: 67.73%
31
31th pctile
Return on Assets
Current: 0.75% · Tier avg: 1.08%
44
44th pctile
Non-Interest-Bearing Deposit Share
Current: 20.39% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
70
70th pctile
Total Deposits
Current: $245.5M · Tier avg: $183.7M
73
73th pctile
Loan-to-Deposit Ratio
Current: 87.98% · Tier avg: 74.53%
77
77th pctile
Total Assets
Current: $328.3M · Tier avg: $217.5M
78
78th pctile
Total Loans
Current: $216.0M · Tier avg: $139.2M
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%