BlastPoint's Banking Scorecard
Security State Bank of Hibbing
Hibbing, MN
Security State Bank of Hibbing has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 49.6% in tier
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 31.0% in tier
- - ROA 0.25% below tier average
- - Efficiency Ratio 5.07% above tier average
- - Delinquency Rate 0.87% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$146.2M
-0.6% YoY
-3.4% QoQ
|
-$239.9M |
$386.1M
+0.5% YoY
|
$512.9M
+5.5% YoY
|
$6.2B
+9.1% YoY
|
Bottom 13.3% in tier |
| Total Loans ? |
$90.7M
+5.2% YoY
-2.6% QoQ
|
-$165.0M |
$255.7M
+1.1% YoY
|
$288.3M
+6.9% YoY
|
$3.2B
+10.8% YoY
|
16% |
| Total Deposits ? |
$128.7M
-3.2% YoY
-5.5% QoQ
|
-$199.2M |
$328.0M
+0.1% YoY
|
$443.8M
+5.0% YoY
|
$4.8B
+8.2% YoY
|
Bottom 15.0% in tier |
| Return on Assets ? |
1.02%
+41.7% YoY
+26.7% QoQ
|
-0.25% |
1.27%
+12.9% YoY
|
1.13%
+10.7% YoY
|
1.23%
+13.4% YoY
|
39% |
| Net Interest Margin ? |
4.44%
+10.5% YoY
+4.6% QoQ
|
+0.51% |
3.93%
+6.0% YoY
|
3.93%
+7.5% YoY
|
3.89%
+5.7% YoY
|
80% |
| Efficiency Ratio ? |
70.36%
+7.0% YoY
+4.0% QoQ
|
+5.07% |
65.29%
-4.5% YoY
|
64.77%
-3.3% YoY
|
66.95%
-4.1% YoY
|
31% |
| Delinquency Rate ? |
1.76%
-20.4% YoY
-14.4% QoQ
|
+0.87% |
0.89%
+18.8% YoY
|
1.04%
+28.9% YoY
|
0.95%
+18.8% YoY
|
15% |
| Loan-to-Deposit Ratio ? |
70.49%
+8.7% YoY
+3.1% QoQ
|
-6.15% |
76.64%
+0.8% YoY
|
76.69%
-0.4% YoY
|
76.70%
+0.9% YoY
|
66% |
| Non-Interest-Bearing Deposit Share ? |
41.37%
+8.7% YoY
+7.0% QoQ
|
+19.35% |
22.02%
-1.0% YoY
|
21.87%
-0.9% YoY
|
22.01%
-1.2% YoY
|
Top 3.9% in tier |
| Nonperforming Asset Ratio ? |
1.09%
-15.7% YoY
-13.6% QoQ
|
+0.45% |
0.64%
+19.7% YoY
|
0.77%
+27.1% YoY
|
0.67%
+19.3% YoY
|
18% |
| Tier 1 Capital Ratio ? |
16.51%
+5.9% YoY
+1.0% QoQ
|
+0.68% |
15.83%
+1.5% YoY
|
15.37%
+0.7% YoY
|
17.06%
+0.8% YoY
|
75% |
| Non-Interest Income / Assets ? |
0.15%
-16.9% YoY
-74.2% QoQ
|
-0.13% |
0.28%
+9.3% YoY
|
0.16%
+5.0% YoY
|
0.32%
+4.1% YoY
|
72% |
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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 (1)
Deposit Franchise
growthTop-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Concerns (1)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.