BlastPoint's Banking Scorecard
Security State Bank of Oklee
Designations: ✓ Community bank
Oklee, MN
Security State Bank of Oklee has 5 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 42.70% below tier average
- + Delinquency Rate 1.37% below tier average
- + Nonperforming Asset Ratio 0.79% below tier average
- + Non-Interest Income / Assets 0.40% below tier average
- + ROA 1.12% above tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.61% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$47.6M
+3.1% YoY
+0.7% QoQ
|
-$14.6M |
$62.2M
-0.6% YoY
|
$512.9M
+5.5% YoY
|
$6.2B
+9.1% YoY
|
29% |
| Total Loans ? |
$19.4M
+8.2% YoY
-6.5% QoQ
|
-$14.9M |
$34.2M
-1.4% YoY
|
$288.3M
+6.9% YoY
|
$3.2B
+10.8% YoY
|
26% |
| Total Deposits ? |
$39.9M
+2.9% YoY
+1.2% QoQ
|
-$11.9M |
$51.7M
-0.7% YoY
|
$443.8M
+5.0% YoY
|
$4.8B
+8.2% YoY
|
30% |
| Return on Assets ? |
1.96%
+16.0% YoY
+24.4% QoQ
|
+1.12% |
0.84%
-2.3% YoY
|
1.13%
+10.7% YoY
|
1.23%
+13.4% YoY
|
Top 10.7% in tier |
| Net Interest Margin ? |
3.25%
+3.9% YoY
+6.7% QoQ
|
-0.61% |
3.86%
+2.8% YoY
|
3.93%
+7.5% YoY
|
3.89%
+5.7% YoY
|
22% |
| Efficiency Ratio ? |
45.64%
-6.4% YoY
-10.3% QoQ
|
-42.70% |
88.34%
+0.3% YoY
|
64.77%
-3.3% YoY
|
66.95%
-4.1% YoY
|
Top 5.2% in tier |
| Delinquency Rate ? | 0.00% | -1.37% |
1.37%
+33.8% YoY
|
1.04%
+28.9% YoY
|
0.95%
+18.8% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
48.56%
+5.2% YoY
-7.6% QoQ
|
-15.65% |
64.22%
-0.7% YoY
|
76.69%
-0.4% YoY
|
76.70%
+0.9% YoY
|
72% |
| Non-Interest-Bearing Deposit Share ? |
16.35%
-6.7% YoY
-2.3% QoQ
|
-7.37% |
23.71%
+0.3% YoY
|
21.87%
-0.9% YoY
|
22.01%
-1.2% YoY
|
28% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-0.79% |
0.79%
+28.2% YoY
|
0.77%
+27.1% YoY
|
0.67%
+19.3% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
41.82%
-3.1% YoY
+8.1% QoQ
|
+15.13% |
26.68%
+2.0% YoY
|
15.37%
+0.7% YoY
|
17.06%
+0.8% YoY
|
Top 8.5% in tier |
| Non-Interest Income / Assets ? |
0.26%
+16.5% YoY
-67.5% QoQ
|
-0.40% |
0.67%
+1.9% YoY
|
0.16%
+5.0% YoY
|
0.32%
+4.1% YoY
|
Top 8.9% in tier |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.