BlastPoint's Banking Scorecard

Prime Security Bank

$100M-$1B Specialty: Commercial MN FDIC cert 10971

Karlstad, MN

3 branches across MN

2664 banks in the $100M-$1B peer group nationally 152 in MN

Prime Security Bank has 3 strengths but faces 2 concerns

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

+ Delinquency Rate 0.89% below tier average
+ ROA 0.19% above tier average
+ Efficiency Ratio 5.04% below tier average

Key Concerns

Areas that may need attention

- Loan-to-Deposit Ratio 25.01% above tier average
- Net Interest Margin 0.18% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Total Assets ?	$148.6M +3.2% YoY +2.1% QoQ	-$237.5M	$386.1M +0.5% YoY	$512.9M +5.5% YoY	$6.2B +9.1% YoY	Bottom 13.8% in tier
Total Loans ?	$127.1M +5.6% YoY +1.4% QoQ	-$128.6M	$255.7M +1.1% YoY	$288.3M +6.9% YoY	$3.2B +10.8% YoY	28%
Total Deposits ?	$125.1M +1.5% YoY -1.9% QoQ	-$202.9M	$328.0M +0.1% YoY	$443.8M +5.0% YoY	$4.8B +8.2% YoY	Bottom 13.6% in tier
Return on Assets ?	1.46% +1.7% YoY +21.5% QoQ	+0.19%	1.27% +12.9% YoY	1.13% +10.7% YoY	1.23% +13.4% YoY	65%
Net Interest Margin ?	3.75% +11.3% YoY +3.3% QoQ	-0.18%	3.93% +6.0% YoY	3.93% +7.5% YoY	3.89% +5.7% YoY	44%
Efficiency Ratio ?	60.25% +0.4% YoY -6.8% QoQ	-5.04%	65.29% -4.5% YoY	64.77% -3.3% YoY	66.95% -4.1% YoY	59%
Delinquency Rate ?	0.00% -100.0% YoY -100.0% QoQ	-0.89%	0.89% +18.8% YoY	1.04% +28.9% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	101.65% +4.0% YoY +3.4% QoQ	+25.01%	76.64% +0.8% YoY	76.69% -0.4% YoY	76.70% +0.9% YoY	Bottom 7.1% in tier
Non-Interest-Bearing Deposit Share ?	14.94% -13.2% YoY -21.1% QoQ	-7.08%	22.02% -1.0% YoY	21.87% -0.9% YoY	22.01% -1.2% YoY	24%
Nonperforming Asset Ratio ?	0.94% -6.2% YoY -18.1% QoQ	+0.31%	0.64% +19.7% YoY	0.77% +27.1% YoY	0.67% +19.3% YoY	21%
Tier 1 Capital Ratio ?	11.56% +9.4% YoY +1.7% QoQ	-4.27%	15.83% +1.5% YoY	15.37% +0.7% YoY	17.06% +0.8% YoY	30%
Non-Interest Income / Assets ?	0.04% -65.0% YoY -83.7% QoQ	-0.24%	0.28% +9.3% YoY	0.16% +5.0% YoY	0.32% +4.1% YoY	16%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (1 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Top Weaknesses (6 metrics)

2475

Loan-to-Deposit Ratio

liquidity

Value: 101.65%

Peer Median: 76.64%

#2475 of 2664 Bottom 7.1% in $100M-$1B

2304

Total Deposits

size

Value: $125.07M

Peer Median: $327.97M

#2304 of 2664 Bottom 13.6% in $100M-$1B

2297

Total Assets

size

Value: $148.61M

Peer Median: $386.08M

#2297 of 2664 Bottom 13.8% in $100M-$1B

2226

Non-Interest Income / Assets

revenue_mix

Value: 0.04%

Peer Median: 0.28%

#2226 of 2664 Bottom 16.5% in $100M-$1B

2105

Nonperforming Asset Ratio

credit_quality

Value: 0.94%

Peer Median: 0.64%

#2105 of 2664 Bottom 21.0% in $100M-$1B

2026

Non-Interest-Bearing Deposit Share

funding

Value: 14.94%

Peer Median: 22.02%

#2026 of 2664 Bottom 24.0% in $100M-$1B