BlastPoint's Banking Scorecard
Security Trust & Savings Bank
Micro
Specialty: Agricultural
IA
FDIC cert 968
Designations: ✓ Community bank
Storm Lake, IA
2498
banks in Micro tier nationally
167 in IA
View Micro leaderboard (IA) →
Security Trust & Savings Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 20.92% above tier
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.38% below tier
- - Loan-to-Deposit Ratio 41.95% below tier
- - Non-Interest-Bearing Deposit Share 15.24% below tier
- - Non-Interest Income / Assets 0.47% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$274.9M
+1.3% YoY
-2.7% QoQ
|
+$57.4M |
$217.5M
+2.3% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
67% |
| Total Loans ? |
$80.9M
+2.2% YoY
+8.7% QoQ
|
-$58.3M |
$139.2M
+2.8% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
34% |
| Total Deposits ? |
$248.2M
-0.3% YoY
-3.1% QoQ
|
+$64.6M |
$183.7M
+1.8% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
71% |
| Return on Assets ? |
1.01%
+110.9% YoY
+1.5% QoQ
|
-0.07% |
1.08%
+14.7% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
47% |
| Net Interest Margin ? |
2.47%
+29.2% YoY
+2.9% QoQ
|
-1.38% |
3.85%
+6.6% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 6% in tier |
| Efficiency Ratio ? |
56.19%
-22.1% YoY
-0.2% QoQ
|
-11.54% |
67.73%
-4.8% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
78% |
| Delinquency Rate ? |
0.72%
+3.5% YoY
-7.5% QoQ
|
+0.08% |
0.64%
+24.4% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
37% |
| Loan-to-Deposit Ratio ? |
32.58%
+2.6% YoY
+12.2% QoQ
|
-41.95% |
74.53%
+0.5% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
Bottom 3% in tier |
| Non-Interest-Bearing Deposit Share ? |
7.15%
+2.8% YoY
+16.2% QoQ
|
-15.24% |
22.39%
-1.3% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
Bottom 7% in tier |
| Nonperforming Asset Ratio ? |
0.21%
+4.4% YoY
+3.3% QoQ
|
-0.24% |
0.45%
+25.1% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
56% |
| Tier 1 Capital Ratio ? |
29.77%
+4.0% YoY
-6.6% QoQ
|
+20.92% |
8.85%
-3.4% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
Top 4% in tier |
| Non-Interest Income / Assets ? |
0.09%
+3.2% YoY
+25.5% QoQ
|
-0.47% |
0.56%
+0.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
Bottom 7% in tier |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 4%
in Micro
Why this stands out
Current:
29.77%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (4)
Net Interest Margin
metric
Bottom 6%
in Micro
Why this stands out
Current:
2.47%
(Tier avg: 3.85%, National avg: 3.75%)
Loan-to-Deposit Ratio
metric
Bottom 3%
in Micro
Why this stands out
Current:
32.58%
(Tier avg: 74.53%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Bottom 7%
in Micro
Why this stands out
Current:
7.15%
(Tier avg: 22.39%, National avg: 21.79%)
Non-Interest Income / Assets
metric
Bottom 7%
in Micro
Why this stands out
Current:
0.09%
(Tier avg: 0.56%, National avg: 0.65%)
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: 29.77% · Tier avg: 8.85%
78
78th pctile
Efficiency Ratio
Current: 56.19% · Tier avg: 67.73%
71
71th pctile
Total Deposits
Current: $248.2M · Tier avg: $183.7M
67
67th pctile
Total Assets
Current: $274.9M · Tier avg: $217.5M
56
56th pctile
Nonperforming Asset Ratio
Current: 0.21% · Tier avg: 0.45%
47
47th pctile
Return on Assets
Current: 1.01% · Tier avg: 1.08%
37
37th pctile
Delinquency Rate
Current: 0.72% · Tier avg: 0.64%
34
34th pctile
Total Loans
Current: $80.9M · Tier avg: $139.2M
7
7th pctile
Non-Interest-Bearing Deposit Share
Current: 7.15% · Tier avg: 22.39%
7
7th pctile
Non-Interest Income / Assets
Current: 0.09% · Tier avg: 0.56%
6
6th pctile
Net Interest Margin
Current: 2.47% · Tier avg: 3.85%
3
3th pctile
Loan-to-Deposit Ratio
Current: 32.58% · Tier avg: 74.53%
Top Weaknesses
3
3th pctile
Loan-to-Deposit Ratio
Current: 32.58% · Tier avg: 74.53%
6
6th pctile
Net Interest Margin
Current: 2.47% · Tier avg: 3.85%
7
7th pctile
Non-Interest Income / Assets
Current: 0.09% · Tier avg: 0.56%
7
7th pctile
Non-Interest-Bearing Deposit Share
Current: 7.15% · Tier avg: 22.39%
34
34th pctile
Total Loans
Current: $80.9M · Tier avg: $139.2M
37
37th pctile
Delinquency Rate
Current: 0.72% · Tier avg: 0.64%
47
47th pctile
Return on Assets
Current: 1.01% · Tier avg: 1.08%
56
56th pctile
Nonperforming Asset Ratio
Current: 0.21% · Tier avg: 0.45%
67
67th pctile
Total Assets
Current: $274.9M · Tier avg: $217.5M
71
71th pctile
Total Deposits
Current: $248.2M · Tier avg: $183.7M
78
78th pctile
Efficiency Ratio
Current: 56.19% · Tier avg: 67.73%
96
96th pctile
Tier 1 Capital Ratio
Current: 29.77% · Tier avg: 8.85%