BlastPoint's Banking Scorecard

Security Bank Minnesota

$100M-$1B Specialty: Commercial MN FDIC cert 10984

Albert Lea, MN

3 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 +2.0% year over year ($125.0M on the books).
Delinquency rate 2.33%.
Return on assets 1.21%.
Efficiency ratio 59.71% vs a 64.48% peer average.
Loan-to-deposit ratio 85.03% 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 Bank Minnesota has 2 strengths but faces 4 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

+ Net Interest Margin 0.65% above tier average
+ Efficiency Ratio 4.77% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 20.4% in tier
- Flatlined Growth: Bottom 35.5% in tier
- Nonperforming Asset Ratio 1.04% above tier average
- ROA 0.11% below tier average

Get updates when Security Bank Minnesota releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Total Assets ?	$145.1M -1.1% YoY -4.7% QoQ	-$241.5M	$386.6M +1.2% YoY	$524.5M +5.8% YoY	$6.3B +7.7% YoY	Bottom 12.7% in tier
Total Loans ?	$106.3M +1.0% YoY +2.4% QoQ	-$152.0M	$258.3M +1.7% YoY	$300.2M +7.3% YoY	$3.2B +9.4% YoY	21%
Total Deposits ?	$125.0M +2.0% YoY -2.7% QoQ	-$201.7M	$326.7M +0.7% YoY	$452.1M +5.5% YoY	$4.9B +7.3% YoY	Bottom 13.6% in tier
Return on Assets ?	1.21% +49.8% YoY +6.7% QoQ	-0.11%	1.32% +10.8% YoY	1.26% +17.2% YoY	1.30% +12.1% YoY	48%
Net Interest Margin ?	4.64% +3.6% YoY +1.8% QoQ	+0.65%	3.99% +5.0% YoY	4.00% +6.8% YoY	3.95% +4.9% YoY	83%
Efficiency Ratio ?	59.71% -4.6% YoY +1.7% QoQ	-4.77%	64.48% -3.2% YoY	63.00% -3.5% YoY	70.05% +2.5% YoY	58%
Delinquency Rate ?	2.33% +24.3% YoY +24.2% QoQ	+1.41%	0.92% +15.7% YoY	1.01% +19.3% YoY	0.98% +16.3% YoY	Bottom 9.9% in tier
Loan-to-Deposit Ratio ?	85.03% -0.9% YoY +5.2% QoQ	+7.08%	77.95% +1.0% YoY	78.29% -0.6% YoY	79.03% +2.3% YoY	38%
Non-Interest-Bearing Deposit Share ?	21.99% +5.9% YoY -5.6% QoQ	-0.04%	22.03% -0.6% YoY	21.79% +0.9% YoY	21.98% -0.6% YoY	54%
Nonperforming Asset Ratio ?	1.71% +27.0% YoY +33.4% QoQ	+1.04%	0.67% +16.4% YoY	0.76% +16.9% YoY	0.69% +15.8% YoY	Bottom 9.9% in tier
Tier 1 Capital Ratio ?	13.15% +0.9% YoY +0.6% QoQ	-2.76%	15.91% +1.4% YoY	15.35% -0.4% YoY	17.09% +0.8% YoY	50%
Non-Interest Income / Assets ?	0.08% +14.7% YoY +92.4% QoQ	-0.49%	0.57% +7.6% YoY	0.31% +3.9% YoY	0.66% +5.2% YoY	Bottom 11.5% in tier

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	22.0% +1.2pp YoY -1.3pp QoQ	-0.2pp	22.1%	21.9%	22.2%	54%
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	70.2% +0.8pp YoY +0.8pp QoQ	+58.6pp	11.6%	14.6%	12.5%	100%
CRE	n/a	n/a	39.5%	36.5%	41.4%	n/a
1-4 Family	2.7% 0.0pp YoY -0.5pp QoQ	-29.9pp	32.6%	29.4%	31.3%	3%
Consumer	1.4% -0.2pp YoY 0.0pp QoQ	-2.7pp	4.1%	4.5%	5.0%	37%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
CET1 Ratio	13.2% +0.1pp YoY +0.1pp QoQ	-5.7pp	18.8%	16.5%	19.7%	30%
Leverage Ratio	9.8% +0.1pp YoY +0.3pp QoQ	-2.4pp	12.2%	11.0%	12.6%	26%
Total Capital Ratio	14.4% +0.2pp YoY +0.1pp QoQ	-5.5pp	19.9%	17.6%	20.8%	31%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Full-Time Employees	24 -3 (-11.1%) YoY -1 (-4.0%) QoQ	-35	58	55	482	17%
Assets per Employee ($)	$6.0M +11.2% YoY -0.7% QoQ	-$1.5M	$7.5M	$8.6M	$8.8M	34%
Branch Count	3 0 YoY 0 QoQ	-2	4	4	18	26%

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	2.3% +0.5pp YoY +0.5pp QoQ	+1.4pp	0.9%	1.0%	1.0%	90%
Allowance Coverage	0.72x +6.2% YoY -16.3% QoQ	-23.44x	24.15x	20.41x	20.23x	18%
Net Charge-off Rate (YTD)	-0.0% -0.9pp YoY +0.4pp QoQ	-0.2pp	0.1%	0.2%	0.2%	10%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
ROE	12.3% +4.0pp YoY +0.6pp QoQ	+0.1pp	12.2%	13.1%	11.6%	51%
Cost of Funds (YTD)	1.5% -0.2pp YoY 0.0pp QoQ	-0.2pp	1.7%	1.7%	1.7%	34%
Net Income ($, YTD)	$901,000 +51.4% YoY — QoQ	-$1.7M	$2.6M	$4.5M	$40.4M	24%

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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 (2)

Credit Risk Growth

risk

#192 of 936 • Bottom 20.4% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally

→ Stable -58 banks QoQ

Flatlined Growth

risk

#189 of 529 • Bottom 35.5% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 1.21%

(Tier: 1.32%, National: 1.30%)

worse than tier avg

529 of 529 Community banks match · 719 nationally

→ Stable +34 banks QoQ

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 2643 peers in $100M-$1B

Top Strengths (1 metrics)

438

Net Interest Margin

profitability

Value: 4.64%

Peer Median: 3.99%

#438 of 2643 Top 16.5% in $100M-$1B

Top Weaknesses (6 metrics)

2383

Nonperforming Asset Ratio

credit_quality

Value: 1.71%

Peer Median: 0.67%

#2383 of 2643 Bottom 9.9% in $100M-$1B

2373

Delinquency Rate

credit_quality

Value: 2.33%

Peer Median: 0.92%

#2373 of 2633 Bottom 9.9% in $100M-$1B

2340

Non-Interest Income / Assets

revenue_mix

Value: 0.08%

Peer Median: 0.57%

#2340 of 2643 Bottom 11.5% in $100M-$1B

2309

Total Assets

size

Value: $145.06M

Peer Median: $386.57M

#2309 of 2643 Bottom 12.7% in $100M-$1B

2284

Total Deposits

size

Value: $125.05M

Peer Median: $326.73M

#2284 of 2643 Bottom 13.6% in $100M-$1B

2094

Total Loans

size

Value: $106.33M

Peer Median: $258.35M

#2094 of 2643 Bottom 20.8% in $100M-$1B