BlastPoint's Banking Scorecard
Security Bank
Micro
Specialty: Agricultural
NE
FDIC cert 5424
Designations: ✓ Community bank
Laurel, NE
2498
banks in Micro tier nationally
97 in NE
View Micro leaderboard (NE) →
Security Bank demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% 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 (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$321.5M
+1.1% YoY
+3.1% QoQ
|
+$104.0M |
$217.5M
+2.3% YoY
|
$784.0M
+6.0% YoY
|
$5.9B
+6.5% YoY
|
76% |
| Total Loans ? |
$220.7M
+8.1% YoY
+7.1% QoQ
|
+$81.5M |
$139.2M
+2.8% YoY
|
$552.2M
+6.8% YoY
|
$3.1B
+8.5% YoY
|
79% |
| Total Deposits ? |
$283.7M
+4.7% YoY
+4.0% QoQ
|
+$100.1M |
$183.7M
+1.8% YoY
|
$649.0M
+5.0% YoY
|
$4.7B
+6.3% YoY
|
78% |
| Return on Assets ? |
1.22%
-7.4% YoY
-3.0% QoQ
|
+0.13% |
1.08%
+14.7% YoY
|
1.20%
+15.2% YoY
|
1.12%
+15.6% YoY
|
59% |
| Net Interest Margin ? |
4.00%
+2.3% YoY
+0.0% QoQ
|
+0.15% |
3.85%
+6.6% YoY
|
3.74%
+7.8% YoY
|
3.75%
+7.1% YoY
|
58% |
| Efficiency Ratio ? |
67.93%
+3.3% YoY
+0.2% QoQ
|
+0.20% |
67.73%
-4.8% YoY
|
61.59%
-6.3% YoY
|
65.09%
-5.1% YoY
|
45% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.64% |
0.64%
+24.4% YoY
|
0.29%
+38.1% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
77.77%
+3.2% YoY
+3.0% QoQ
|
+3.25% |
74.53%
+0.5% YoY
|
82.86%
+0.3% YoY
|
78.04%
+0.7% YoY
|
47% |
| Non-Interest-Bearing Deposit Share ? |
18.95%
-0.3% YoY
+14.5% QoQ
|
-3.45% |
22.39%
-1.3% YoY
|
18.22%
-2.1% YoY
|
21.79%
-1.3% YoY
|
38% |
| Nonperforming Asset Ratio ? |
0.15%
-12.9% YoY
-23.5% QoQ
|
-0.31% |
0.45%
+25.1% YoY
|
0.26%
+54.6% YoY
|
0.48%
+20.8% YoY
|
62% |
| Tier 1 Capital Ratio ? |
15.27%
+3.2% YoY
-8.4% QoQ
|
+6.41% |
8.85%
-3.4% YoY
|
6.79%
+0.2% YoY
|
9.75%
-1.9% YoY
|
73% |
| Non-Interest Income / Assets ? |
0.82%
-4.4% YoY
+28.1% QoQ
|
+0.26% |
0.56%
+0.3% YoY
|
0.47%
-3.0% YoY
|
0.65%
+0.6% YoY
|
Top 12% in tier |
Signature Analysis
Strengths (1)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
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%
88
88th pctile
Non-Interest Income / Assets
Current: 0.82% · Tier avg: 0.56%
79
79th pctile
Total Loans
Current: $220.7M · Tier avg: $139.2M
78
78th pctile
Total Deposits
Current: $283.7M · Tier avg: $183.7M
76
76th pctile
Total Assets
Current: $321.5M · Tier avg: $217.5M
73
73th pctile
Tier 1 Capital Ratio
Current: 15.27% · Tier avg: 8.85%
62
62th pctile
Nonperforming Asset Ratio
Current: 0.15% · Tier avg: 0.45%
59
59th pctile
Return on Assets
Current: 1.22% · Tier avg: 1.08%
58
58th pctile
Net Interest Margin
Current: 4.00% · Tier avg: 3.85%
47
47th pctile
Loan-to-Deposit Ratio
Current: 77.77% · Tier avg: 74.53%
45
45th pctile
Efficiency Ratio
Current: 67.93% · Tier avg: 67.73%
38
38th pctile
Non-Interest-Bearing Deposit Share
Current: 18.95% · Tier avg: 22.39%
Top Weaknesses
38
38th pctile
Non-Interest-Bearing Deposit Share
Current: 18.95% · Tier avg: 22.39%
45
45th pctile
Efficiency Ratio
Current: 67.93% · Tier avg: 67.73%
47
47th pctile
Loan-to-Deposit Ratio
Current: 77.77% · Tier avg: 74.53%
58
58th pctile
Net Interest Margin
Current: 4.00% · Tier avg: 3.85%
59
59th pctile
Return on Assets
Current: 1.22% · Tier avg: 1.08%
62
62th pctile
Nonperforming Asset Ratio
Current: 0.15% · Tier avg: 0.45%
73
73th pctile
Tier 1 Capital Ratio
Current: 15.27% · Tier avg: 8.85%
76
76th pctile
Total Assets
Current: $321.5M · Tier avg: $217.5M
78
78th pctile
Total Deposits
Current: $283.7M · Tier avg: $183.7M
79
79th pctile
Total Loans
Current: $220.7M · Tier avg: $139.2M
88
88th pctile
Non-Interest Income / Assets
Current: 0.82% · Tier avg: 0.56%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%