BlastPoint's Banking Scorecard
Security State Bank
Micro
Specialty: Commercial
WI
FDIC cert 9036
Designations: ✓ Community bank
Iron River, WI
2498
banks in Micro tier nationally
88 in WI
View Micro leaderboard (WI) →
Security State Bank shows strong momentum with 2 strengths and 10.5% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.22% above tier
- + Tier 1 Capital Ratio 21.21% above 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 (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$139.2M
+10.5% YoY
-0.6% QoQ
|
-$78.3M |
$217.5M
+2.3% YoY
|
$1.1B
+5.1% YoY
|
$5.9B
+6.5% YoY
|
34% |
| Total Loans ? |
$83.7M
+14.0% YoY
+3.8% QoQ
|
-$55.5M |
$139.2M
+2.8% YoY
|
$768.8M
+4.7% YoY
|
$3.1B
+8.5% YoY
|
36% |
| Total Deposits ? |
$109.0M
+11.4% YoY
-1.1% QoQ
|
-$74.6M |
$183.7M
+1.8% YoY
|
$858.9M
+4.5% YoY
|
$4.7B
+6.3% YoY
|
31% |
| Return on Assets ? |
1.85%
+22.1% YoY
-4.3% QoQ
|
+0.76% |
1.08%
+14.7% YoY
|
1.12%
+22.4% YoY
|
1.12%
+15.6% YoY
|
Top 13% in tier |
| Net Interest Margin ? |
5.08%
-1.8% YoY
+1.1% QoQ
|
+1.22% |
3.85%
+6.6% YoY
|
3.60%
+10.9% YoY
|
3.75%
+7.1% YoY
|
Top 8% in tier |
| Efficiency Ratio ? |
55.97%
-8.3% YoY
+3.5% QoQ
|
-11.75% |
67.73%
-4.8% YoY
|
64.76%
-6.6% YoY
|
65.09%
-5.1% YoY
|
79% |
| Delinquency Rate ? |
0.59%
-0.3% YoY
+8.0% QoQ
|
-0.05% |
0.64%
+24.4% YoY
|
0.52%
+44.6% YoY
|
0.66%
+20.3% YoY
|
42% |
| Loan-to-Deposit Ratio ? |
76.73%
+2.4% YoY
+5.0% QoQ
|
+2.20% |
74.53%
+0.5% YoY
|
85.80%
+1.3% YoY
|
78.04%
+0.7% YoY
|
51% |
| Non-Interest-Bearing Deposit Share ? |
22.59%
-8.8% YoY
-1.2% QoQ
|
+0.20% |
22.39%
-1.3% YoY
|
18.83%
-1.2% YoY
|
21.79%
-1.3% YoY
|
54% |
| Nonperforming Asset Ratio ? |
0.35%
+2.8% YoY
+12.8% QoQ
|
-0.10% |
0.45%
+25.1% YoY
|
0.37%
+20.8% YoY
|
0.48%
+20.8% YoY
|
46% |
| Tier 1 Capital Ratio ? |
30.06%
+0.2% YoY
-1.6% QoQ
|
+21.21% |
8.85%
-3.4% YoY
|
8.70%
-2.9% YoY
|
9.75%
-1.9% YoY
|
Top 4% in tier |
| Non-Interest Income / Assets ? |
0.51%
-5.7% YoY
+34.3% QoQ
|
-0.06% |
0.56%
+0.3% YoY
|
0.58%
+3.9% YoY
|
0.65%
+0.6% YoY
|
69% |
Signature Analysis
Strengths (2)
Net Interest Margin
metric
Top 8%
in Micro
Why this stands out
Current:
5.08%
(Tier avg: 3.85%, National avg: 3.75%)
Tier 1 Capital Ratio
metric
Top 4%
in Micro
Why this stands out
Current:
30.06%
(Tier avg: 8.85%, National avg: 9.75%)
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
96
96th pctile
Tier 1 Capital Ratio
Current: 30.06% · Tier avg: 8.85%
92
92th pctile
Net Interest Margin
Current: 5.08% · Tier avg: 3.85%
87
87th pctile
Return on Assets
Current: 1.85% · Tier avg: 1.08%
79
79th pctile
Efficiency Ratio
Current: 55.97% · Tier avg: 67.73%
69
69th pctile
Non-Interest Income / Assets
Current: 0.51% · Tier avg: 0.56%
54
54th pctile
Non-Interest-Bearing Deposit Share
Current: 22.59% · Tier avg: 22.39%
51
51th pctile
Loan-to-Deposit Ratio
Current: 76.73% · Tier avg: 74.53%
46
46th pctile
Nonperforming Asset Ratio
Current: 0.35% · Tier avg: 0.45%
42
42th pctile
Delinquency Rate
Current: 0.59% · Tier avg: 0.64%
36
36th pctile
Total Loans
Current: $83.7M · Tier avg: $139.2M
34
34th pctile
Total Assets
Current: $139.2M · Tier avg: $217.5M
31
31th pctile
Total Deposits
Current: $109.0M · Tier avg: $183.7M
Top Weaknesses
31
31th pctile
Total Deposits
Current: $109.0M · Tier avg: $183.7M
34
34th pctile
Total Assets
Current: $139.2M · Tier avg: $217.5M
36
36th pctile
Total Loans
Current: $83.7M · Tier avg: $139.2M
42
42th pctile
Delinquency Rate
Current: 0.59% · Tier avg: 0.64%
46
46th pctile
Nonperforming Asset Ratio
Current: 0.35% · Tier avg: 0.45%
51
51th pctile
Loan-to-Deposit Ratio
Current: 76.73% · Tier avg: 74.53%
54
54th pctile
Non-Interest-Bearing Deposit Share
Current: 22.59% · Tier avg: 22.39%
69
69th pctile
Non-Interest Income / Assets
Current: 0.51% · Tier avg: 0.56%
79
79th pctile
Efficiency Ratio
Current: 55.97% · Tier avg: 67.73%
87
87th pctile
Return on Assets
Current: 1.85% · Tier avg: 1.08%
92
92th pctile
Net Interest Margin
Current: 5.08% · Tier avg: 3.85%
96
96th pctile
Tier 1 Capital Ratio
Current: 30.06% · Tier avg: 8.85%