BlastPoint's Banking Scorecard
Security State Bank of Oklee
Designations: ✓ Community bank
Oklee, 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 536 banks in the under $100M peer group nationwide — 1 of 52 in MN.
- Deposits +5.4% year over year ($40.9M on the books).
- Delinquency rate 0.00%.
- Return on assets 1.70%.
- Efficiency ratio 48.74% vs a 119.40% peer average.
- Loan-to-deposit ratio 49.78% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Security State Bank of Oklee has 5 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 70.65% below tier average
- + Delinquency Rate 1.48% below tier average
- + Nonperforming Asset Ratio 0.84% below tier average
- + Non-Interest Income / Assets 0.93% below tier average
- + ROA 0.71% above tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.71% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$48.8M
+5.0% YoY
+2.5% QoQ
|
-$13.7M |
$62.4M
-0.0% YoY
|
$524.5M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
30% |
| Total Loans ? |
$20.4M
+6.7% YoY
+5.2% QoQ
|
-$14.5M |
$34.9M
-0.6% YoY
|
$300.2M
+7.3% YoY
|
$3.2B
+9.4% YoY
|
28% |
| Total Deposits ? |
$40.9M
+5.4% YoY
+2.6% QoQ
|
-$10.7M |
$51.6M
-0.2% YoY
|
$452.1M
+5.5% YoY
|
$4.9B
+7.3% YoY
|
32% |
| Return on Assets ? |
1.70%
+16.7% YoY
-12.9% QoQ
|
+0.71% |
1.00%
+3.5% YoY
|
1.26%
+17.2% YoY
|
1.30%
+12.1% YoY
|
81% |
| Net Interest Margin ? |
3.20%
+4.3% YoY
-1.4% QoQ
|
-0.71% |
3.91%
+2.3% YoY
|
4.00%
+6.8% YoY
|
3.95%
+4.9% YoY
|
19% |
| Efficiency Ratio ? |
48.74%
-3.2% YoY
+6.8% QoQ
|
-70.65% |
119.40%
+49.6% YoY
|
63.00%
-3.5% YoY
|
70.05%
+2.5% YoY
|
Top 8.0% in tier |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-1.48% |
1.48%
+31.8% YoY
|
1.01%
+19.3% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
49.78%
+1.3% YoY
+2.5% QoQ
|
-24.43% |
74.21%
+12.6% YoY
|
78.29%
-0.6% YoY
|
79.03%
+2.3% YoY
|
71% |
| Non-Interest-Bearing Deposit Share ? |
14.47%
-4.0% YoY
-11.5% QoQ
|
-9.02% |
23.49%
+0.6% YoY
|
21.79%
+0.9% YoY
|
21.98%
-0.6% YoY
|
22% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-0.84% |
0.84%
+23.0% YoY
|
0.76%
+16.9% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
41.66%
-1.4% YoY
-0.4% QoQ
|
+14.53% |
27.13%
+3.0% YoY
|
15.35%
-0.4% YoY
|
17.09%
+0.8% YoY
|
Top 9.9% in tier |
| Non-Interest Income / Assets ? |
0.45%
+18.0% YoY
+70.1% QoQ
|
-0.93% |
1.38%
+6.3% YoY
|
0.31%
+3.9% YoY
|
0.66%
+5.2% YoY
|
Top 9.9% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
14.5%
-0.6pp YoY -1.9pp QoQ |
-10.2pp | 24.6% | 21.9% | 22.2% | 18% |
| Brokered Deposits | n/a | n/a | 9.8% | 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 |
5.7%
-1.6pp YoY -1.1pp QoQ |
-7.7pp | 13.4% | 14.6% | 12.5% | 25% |
| CRE | n/a | n/a | 25.2% | 36.5% | 41.4% | n/a |
| 1-4 Family |
33.6%
+0.2pp YoY -0.6pp QoQ |
-1.4pp | 35.0% | 29.4% | 31.3% | 55% |
| Consumer |
11.5%
+0.2pp YoY -0.1pp QoQ |
+3.8pp | 7.7% | 4.5% | 5.0% | 82% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
41.7%
-0.6pp YoY -0.2pp QoQ |
+3.0pp | 38.7% | 16.5% | 19.7% | 83% |
| Leverage Ratio |
15.8%
+0.2pp YoY +0.1pp QoQ |
-1.9pp | 17.7% | 11.0% | 12.6% | 74% |
| Total Capital Ratio |
42.9%
-0.6pp YoY -0.2pp QoQ |
+3.3pp | 39.7% | 17.6% | 20.8% | 83% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
8
+2 (+33.3%) YoY 0 QoQ |
-4 | 12 | 55 | 482 | 29% |
| Assets per Employee ($) |
$6.1M
-21.3% YoY +2.5% QoQ |
-$91K | $6.2M | $8.6M | $8.8M | 52% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 4 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.4% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 1.7% | 1.0% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 6.41x | 20.41x | 20.23x | n/a |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.2% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
10.9%
+1.6pp YoY -1.6pp QoQ |
+4.5pp | 6.4% | 13.1% | 11.6% | 67% |
| Cost of Funds (YTD) |
1.8%
-0.2pp YoY 0.0pp QoQ |
+0.4pp | 1.4% | 1.7% | 1.7% | 73% |
| Net Income ($, YTD) |
$408,000
+21.4% YoY — QoQ |
+$90K | $317,817 | $4.5M | $40.4M | 64% |
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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.