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Security State Bank of Marine

$100M-$1B Specialty: Commercial MN FDIC cert 10163

Marine On St. Croix, MN

4 branches across MN

2664 banks in the $100M-$1B peer group nationally 152 in MN
View $100M-$1B leaderboard (MN) →

Security State Bank of Marine demonstrates 4 strengths

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Return on Assets 1.06% above tier average
  • + Efficiency Ratio 23.81% below tier average
  • + Net Interest Margin 0.41% above tier average
  • + Delinquency Rate 0.76% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when Security State Bank of Marine releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Total Assets ? $235.4M
+2.7% YoY +1.4% QoQ
-$150.7M $386.1M
+0.5% YoY
$512.9M
+5.5% YoY
$6.2B
+9.1% YoY
34%
Total Loans ? $174.7M
+4.8% YoY +1.3% QoQ
-$81.1M $255.7M
+1.1% YoY
$288.3M
+6.9% YoY
$3.2B
+10.8% YoY
43%
Total Deposits ? $209.7M
+2.0% YoY +1.9% QoQ
-$118.3M $328.0M
+0.1% YoY
$443.8M
+5.0% YoY
$4.8B
+8.2% YoY
37%
Return on Assets ? 2.33%
-1.6% YoY +10.8% QoQ
+1.06% 1.27%
+12.9% YoY
1.13%
+10.7% YoY
1.23%
+13.4% YoY
Top 6.6% in tier
Net Interest Margin ? 4.34%
+5.3% YoY -0.2% QoQ
+0.41% 3.93%
+6.0% YoY
3.93%
+7.5% YoY
3.89%
+5.7% YoY
75%
Efficiency Ratio ? 41.47%
-3.8% YoY -12.5% QoQ
-23.81% 65.29%
-4.5% YoY
64.77%
-3.3% YoY
66.95%
-4.1% YoY
Top 5.3% in tier
Delinquency Rate ? 0.13%
-61.7% YoY -1.3% QoQ
-0.76% 0.89%
+18.8% YoY
1.04%
+28.9% YoY
0.95%
+18.8% YoY
70%
Loan-to-Deposit Ratio ? 83.29%
+2.7% YoY -0.6% QoQ
+6.66% 76.64%
+0.8% YoY
76.69%
-0.4% YoY
76.70%
+0.9% YoY
39%
Non-Interest-Bearing Deposit Share ? 31.26%
-2.8% YoY +3.3% QoQ
+9.24% 22.02%
-1.0% YoY
21.87%
-0.9% YoY
22.01%
-1.2% YoY
85%
Nonperforming Asset Ratio ? 0.10%
-60.9% YoY -1.4% QoQ
-0.54% 0.64%
+19.7% YoY
0.77%
+27.1% YoY
0.67%
+19.3% YoY
71%
Tier 1 Capital Ratio ? 14.82%
-1.3% YoY -5.6% QoQ
-1.01% 15.83%
+1.5% YoY
15.37%
+0.7% YoY
17.06%
+0.8% YoY
65%
Non-Interest Income / Assets ? 0.08%
-55.5% YoY -80.4% QoQ
-0.20% 0.28%
+9.3% YoY
0.16%
+5.0% YoY
0.32%
+4.1% YoY
40%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2664 peers in $100M-$1B

Top Strengths (4 metrics)

143
Efficiency Ratio
profitability
Value: 41.47%
Peer Median: 65.29%
#143 of 2664 Top 5.3% in $100M-$1B
178
Return on Assets
profitability
Value: 2.33%
Peer Median: 1.27%
#178 of 2664 Top 6.6% in $100M-$1B
405
Non-Interest-Bearing Deposit Share
funding
Value: 31.26%
Peer Median: 22.02%
#405 of 2664 Top 15.2% in $100M-$1B
667
Net Interest Margin
profitability
Value: 4.34%
Peer Median: 3.93%
#667 of 2664 Top 25.0% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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