BlastPoint's Banking Scorecard
First Security Bank
Micro
Specialty: Commercial
MN
FDIC cert 9728
Designations: ✓ Community bank
Byron, MN
2498
banks in Micro tier nationally
179 in MN
View Micro leaderboard (MN) →
First Security Bank shows strong momentum with 1 strength and 5.3% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 26.55% 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 (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$154.3M
+5.3% YoY
+2.1% QoQ
|
-$63.2M |
$217.5M
+2.3% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
39% |
| Total Loans ? |
$118.3M
+6.0% YoY
+1.0% QoQ
|
-$20.9M |
$139.2M
+2.8% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
49% |
| Total Deposits ? |
$117.1M
+4.2% YoY
+0.5% QoQ
|
-$66.6M |
$183.7M
+1.8% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
35% |
| Return on Assets ? |
1.26%
+32.2% YoY
+1.3% QoQ
|
+0.18% |
1.08%
+14.7% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
62% |
| Net Interest Margin ? |
3.38%
+7.4% YoY
+1.0% QoQ
|
-0.47% |
3.85%
+6.6% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
29% |
| Efficiency Ratio ? |
57.54%
-3.9% YoY
+0.4% QoQ
|
-10.19% |
67.73%
-4.8% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
74% |
| Delinquency Rate ? |
0.16%
-69.4% YoY
+4.3% QoQ
|
-0.47% |
0.64%
+24.4% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
65% |
| Loan-to-Deposit Ratio ? |
101.08%
+1.8% YoY
+0.6% QoQ
|
+26.55% |
74.53%
+0.5% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
Top 8% in tier |
| Non-Interest-Bearing Deposit Share ? |
20.28%
+1.1% YoY
-5.0% QoQ
|
-2.11% |
22.39%
-1.3% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
43% |
| Nonperforming Asset Ratio ? |
0.18%
-57.0% YoY
+1.7% QoQ
|
-0.28% |
0.45%
+25.1% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
59% |
| Tier 1 Capital Ratio ? |
10.62%
+4.8% YoY
-0.6% QoQ
|
+1.77% |
8.85%
-3.4% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
54% |
| Non-Interest Income / Assets ? |
0.19%
-4.3% YoY
+38.0% QoQ
|
-0.38% |
0.56%
+0.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
21% |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 8%
in Micro
Why this stands out
Current:
101.08%
(Tier avg: 74.53%, National avg: 78.04%)
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
92
92th pctile
Loan-to-Deposit Ratio
Current: 101.08% · Tier avg: 74.53%
74
74th pctile
Efficiency Ratio
Current: 57.54% · Tier avg: 67.73%
65
65th pctile
Delinquency Rate
Current: 0.16% · Tier avg: 0.64%
62
62th pctile
Return on Assets
Current: 1.26% · Tier avg: 1.08%
59
59th pctile
Nonperforming Asset Ratio
Current: 0.18% · Tier avg: 0.45%
54
54th pctile
Tier 1 Capital Ratio
Current: 10.62% · Tier avg: 8.85%
49
49th pctile
Total Loans
Current: $118.3M · Tier avg: $139.2M
43
43th pctile
Non-Interest-Bearing Deposit Share
Current: 20.28% · Tier avg: 22.39%
39
39th pctile
Total Assets
Current: $154.3M · Tier avg: $217.5M
35
35th pctile
Total Deposits
Current: $117.1M · Tier avg: $183.7M
29
29th pctile
Net Interest Margin
Current: 3.38% · Tier avg: 3.85%
21
21th pctile
Non-Interest Income / Assets
Current: 0.19% · Tier avg: 0.56%
Top Weaknesses
21
21th pctile
Non-Interest Income / Assets
Current: 0.19% · Tier avg: 0.56%
29
29th pctile
Net Interest Margin
Current: 3.38% · Tier avg: 3.85%
35
35th pctile
Total Deposits
Current: $117.1M · Tier avg: $183.7M
39
39th pctile
Total Assets
Current: $154.3M · Tier avg: $217.5M
43
43th pctile
Non-Interest-Bearing Deposit Share
Current: 20.28% · Tier avg: 22.39%
49
49th pctile
Total Loans
Current: $118.3M · Tier avg: $139.2M
54
54th pctile
Tier 1 Capital Ratio
Current: 10.62% · Tier avg: 8.85%
59
59th pctile
Nonperforming Asset Ratio
Current: 0.18% · Tier avg: 0.45%
62
62th pctile
Return on Assets
Current: 1.26% · Tier avg: 1.08%
65
65th pctile
Delinquency Rate
Current: 0.16% · Tier avg: 0.64%
74
74th pctile
Efficiency Ratio
Current: 57.54% · Tier avg: 67.73%
92
92th pctile
Loan-to-Deposit Ratio
Current: 101.08% · Tier avg: 74.53%