BlastPoint's Banking Scorecard
Security State Bank of Warroad
Micro
Specialty: Commercial
MN
FDIC cert 9773
Designations: ✓ Community bank
Warroad, MN
2498
banks in Micro tier nationally
179 in MN
View Micro leaderboard (MN) →
Security State Bank of Warroad faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.54% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$141.7M
-1.4% YoY
-2.7% QoQ
|
-$75.8M |
$217.5M
+2.3% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
35% |
| Total Loans ? |
$64.9M
+0.6% YoY
-3.3% QoQ
|
-$74.3M |
$139.2M
+2.8% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
26% |
| Total Deposits ? |
$124.1M
-3.6% YoY
-3.5% QoQ
|
-$59.5M |
$183.7M
+1.8% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
37% |
| Return on Assets ? |
0.73%
+31.6% YoY
+17.1% QoQ
|
-0.36% |
1.08%
+14.7% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
30% |
| Net Interest Margin ? |
3.63%
+16.4% YoY
+1.5% QoQ
|
-0.22% |
3.85%
+6.6% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
40% |
| Efficiency Ratio ? |
68.04%
-2.4% YoY
-5.1% QoQ
|
+0.31% |
67.73%
-4.8% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
45% |
| Delinquency Rate ? |
1.16%
-10.4% YoY
-66.8% QoQ
|
+0.52% |
0.64%
+24.4% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
25% |
| Loan-to-Deposit Ratio ? |
52.29%
+4.3% YoY
+0.3% QoQ
|
-22.24% |
74.53%
+0.5% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
85% |
| Non-Interest-Bearing Deposit Share ? |
31.45%
+2.6% YoY
+3.1% QoQ
|
+9.06% |
22.39%
-1.3% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
82% |
| Nonperforming Asset Ratio ? |
0.53%
-8.6% YoY
-67.0% QoQ
|
+0.08% |
0.45%
+25.1% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
35% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.02%
-91.2% YoY
+63.3% QoQ
|
-0.54% |
0.56%
+0.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
Bottom 1% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Non-Interest Income / Assets
metric
Bottom 1%
in Micro
Why this stands out
Current:
0.02%
(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
85
85th pctile
Loan-to-Deposit Ratio
Current: 52.29% · Tier avg: 74.53%
82
82th pctile
Non-Interest-Bearing Deposit Share
Current: 31.45% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
45
45th pctile
Efficiency Ratio
Current: 68.04% · Tier avg: 67.73%
40
40th pctile
Net Interest Margin
Current: 3.63% · Tier avg: 3.85%
37
37th pctile
Total Deposits
Current: $124.1M · Tier avg: $183.7M
35
35th pctile
Nonperforming Asset Ratio
Current: 0.53% · Tier avg: 0.45%
35
35th pctile
Total Assets
Current: $141.7M · Tier avg: $217.5M
30
30th pctile
Return on Assets
Current: 0.73% · Tier avg: 1.08%
26
26th pctile
Total Loans
Current: $64.9M · Tier avg: $139.2M
25
25th pctile
Delinquency Rate
Current: 1.16% · Tier avg: 0.64%
1
1th pctile
Non-Interest Income / Assets
Current: 0.02% · Tier avg: 0.56%
Top Weaknesses
1
1th pctile
Non-Interest Income / Assets
Current: 0.02% · Tier avg: 0.56%
25
25th pctile
Delinquency Rate
Current: 1.16% · Tier avg: 0.64%
26
26th pctile
Total Loans
Current: $64.9M · Tier avg: $139.2M
30
30th pctile
Return on Assets
Current: 0.73% · Tier avg: 1.08%
35
35th pctile
Total Assets
Current: $141.7M · Tier avg: $217.5M
35
35th pctile
Nonperforming Asset Ratio
Current: 0.53% · Tier avg: 0.45%
37
37th pctile
Total Deposits
Current: $124.1M · Tier avg: $183.7M
40
40th pctile
Net Interest Margin
Current: 3.63% · Tier avg: 3.85%
45
45th pctile
Efficiency Ratio
Current: 68.04% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
82
82th pctile
Non-Interest-Bearing Deposit Share
Current: 31.45% · Tier avg: 22.39%
85
85th pctile
Loan-to-Deposit Ratio
Current: 52.29% · Tier avg: 74.53%