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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

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 151 in MN.
  • Deposits +2.5% year over year ($206.1M on the books).
  • Delinquency rate 0.13%.
  • Return on assets 2.37%.
  • Efficiency ratio 42.50% vs a 64.48% peer average.
  • Loan-to-deposit ratio 85.91% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 151 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

  • + Profitability Leader: Top 31.3% in tier
  • + Efficiency Ratio 21.98% below tier average
  • + Net Interest Margin 0.53% above tier average
  • + Delinquency Rate 0.79% 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-Q2

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Total Assets ? $232.5M
+3.0% YoY -1.2% QoQ
-$154.1M $386.6M
+1.2% YoY
$524.5M
+5.8% YoY
$6.3B
+7.7% YoY
33%
Total Loans ? $177.0M
+4.7% YoY +1.4% QoQ
-$81.3M $258.3M
+1.7% YoY
$300.2M
+7.3% YoY
$3.2B
+9.4% YoY
43%
Total Deposits ? $206.1M
+2.5% YoY -1.7% QoQ
-$120.7M $326.7M
+0.7% YoY
$452.1M
+5.5% YoY
$4.9B
+7.3% YoY
36%
Return on Assets ? 2.37%
+8.3% YoY +1.9% QoQ
+1.05% 1.32%
+10.8% YoY
1.26%
+17.2% YoY
1.30%
+12.1% YoY
Top 6.2% in tier
Net Interest Margin ? 4.52%
+5.9% YoY +4.2% QoQ
+0.53% 3.99%
+5.0% YoY
4.00%
+6.8% YoY
3.95%
+4.9% YoY
80%
Efficiency Ratio ? 42.50%
-7.2% YoY +2.5% QoQ
-21.98% 64.48%
-3.2% YoY
63.00%
-3.5% YoY
70.05%
+2.5% YoY
Top 6.1% in tier
Delinquency Rate ? 0.13%
-23.4% YoY -1.4% QoQ
-0.79% 0.92%
+15.7% YoY
1.01%
+19.3% YoY
0.98%
+16.3% YoY
72%
Loan-to-Deposit Ratio ? 85.91%
+2.2% YoY +3.1% QoQ
+7.96% 77.95%
+1.0% YoY
78.29%
-0.6% YoY
79.03%
+2.3% YoY
36%
Non-Interest-Bearing Deposit Share ? 31.19%
+2.8% YoY -0.2% QoQ
+9.16% 22.03%
-0.6% YoY
21.79%
+0.9% YoY
21.98%
-0.6% YoY
85%
Nonperforming Asset Ratio ? 0.10%
-22.1% YoY +1.3% QoQ
-0.57% 0.67%
+16.4% YoY
0.76%
+16.9% YoY
0.69%
+15.8% YoY
71%
Tier 1 Capital Ratio ? 15.08%
-1.2% YoY +1.8% QoQ
-0.83% 15.91%
+1.4% YoY
15.35%
-0.4% YoY
17.09%
+0.8% YoY
66%
Non-Interest Income / Assets ? 0.16%
-40.2% YoY +94.0% QoQ
-0.41% 0.57%
+7.6% YoY
0.31%
+3.9% YoY
0.66%
+5.2% YoY
37%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Noninterest-Bearing 31.2%
+0.8pp YoY
-0.1pp QoQ
 +9.0pp 22.1% 21.9% 22.2% 84%
Brokered Deposits n/a n/a 7.9% 8.3% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
C&I 6.3%
-2.5pp YoY
-1.1pp QoQ
 -5.3pp 11.6% 14.6% 12.5% 27%
CRE 30.5%
+1.2pp YoY
+0.5pp QoQ
 -9.0pp 39.5% 36.5% 41.4% 36%
1-4 Family 62.9%
+1.5pp YoY
+0.6pp QoQ
 +30.3pp 32.6% 29.4% 31.3% 92%
Consumer 1.6%
-0.1pp YoY
+0.1pp QoQ
 -2.5pp 4.1% 4.5% 5.0% 41%

Capital

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
CET1 Ratio 15.1%
-0.2pp YoY
+0.3pp QoQ
 -3.7pp 18.8% 16.5% 19.7% 50%
Leverage Ratio 10.9%
+0.4pp YoY
+0.4pp QoQ
 -1.3pp 12.2% 11.0% 12.6% 48%
Total Capital Ratio 16.3%
-0.2pp YoY
+0.3pp QoQ
 -3.6pp 19.9% 17.6% 20.8% 51%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Full-Time Employees 27
-1 (-3.6%) YoY
+2 (+8.0%) QoQ
 -32 58 55 482 22%
Assets per Employee ($) $8.6M
+6.8% YoY
-8.6% QoQ
 +$1.1M $7.5M $8.6M $8.8M 76%
Branch Count 4
0 YoY
0 QoQ
 -1 4 4 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.4% 0.4% n/a
Nonaccrual 0.1%
+0.1pp YoY
0.0pp QoQ
 -0.8pp 0.9% 1.0% 1.0% 22%
Allowance Coverage 10.26x
+39.4% YoY
+2.1% QoQ
 -13.89x 24.15x 20.41x 20.23x 82%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.2% 0.2% 63%

Profitability

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
ROE 22.1%
+0.7pp YoY
+0.3pp QoQ
 +9.9pp 12.2% 13.1% 11.6% 92%
Cost of Funds (YTD) 1.3%
-0.1pp YoY
0.0pp QoQ
 -0.4pp 1.7% 1.7% 1.7% 24%
Net Income ($, YTD) $2.8M
+12.4% YoY
— QoQ
 +$209K $2.6M $4.5M $40.4M 66%

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 (1)

Profitability Leader

growth
#208 of 661 • Top 31.3% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 2.37%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

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 2643 peers in $100M-$1B

Top Strengths (4 metrics)

161
Efficiency Ratio
profitability
Value: 42.50%
Peer Median: 64.48%
#161 of 2643 Top 6.1% in $100M-$1B
164
Return on Assets
profitability
Value: 2.37%
Peer Median: 1.32%
#164 of 2643 Top 6.2% in $100M-$1B
409
Non-Interest-Bearing Deposit Share
funding
Value: 31.19%
Peer Median: 22.03%
#409 of 2643 Top 15.4% in $100M-$1B
520
Net Interest Margin
profitability
Value: 4.52%
Peer Median: 3.99%
#520 of 2643 Top 19.6% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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