BlastPoint's Banking Scorecard
Security Bank Minnesota
Albert Lea, MN
3 branches across MN
Security Bank Minnesota has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.62% above tier average
- + Efficiency Ratio 6.59% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.13% below tier average
- - Delinquency Rate 0.99% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$152.2M
+2.0% YoY
+2.7% QoQ
|
-$233.9M |
$386.1M
+0.5% YoY
|
$512.9M
+5.5% YoY
|
$6.2B
+9.1% YoY
|
Bottom 14.9% in tier |
| Total Loans ? |
$103.9M
-3.9% YoY
-3.0% QoQ
|
-$151.9M |
$255.7M
+1.1% YoY
|
$288.3M
+6.9% YoY
|
$3.2B
+10.8% YoY
|
21% |
| Total Deposits ? |
$128.5M
+1.1% YoY
+3.1% QoQ
|
-$199.4M |
$328.0M
+0.1% YoY
|
$443.8M
+5.0% YoY
|
$4.8B
+8.2% YoY
|
Bottom 14.9% in tier |
| Return on Assets ? |
1.14%
+24.8% YoY
+58.0% QoQ
|
-0.13% |
1.27%
+12.9% YoY
|
1.13%
+10.7% YoY
|
1.23%
+13.4% YoY
|
46% |
| Net Interest Margin ? |
4.55%
+2.6% YoY
-0.2% QoQ
|
+0.62% |
3.93%
+6.0% YoY
|
3.93%
+7.5% YoY
|
3.89%
+5.7% YoY
|
83% |
| Efficiency Ratio ? |
58.70%
-3.7% YoY
-16.0% QoQ
|
-6.59% |
65.29%
-4.5% YoY
|
64.77%
-3.3% YoY
|
66.95%
-4.1% YoY
|
64% |
| Delinquency Rate ? |
1.88%
-3.0% YoY
+0.4% QoQ
|
+0.99% |
0.89%
+18.8% YoY
|
1.04%
+28.9% YoY
|
0.95%
+18.8% YoY
|
Bottom 13.7% in tier |
| Loan-to-Deposit Ratio ? |
80.80%
-4.9% YoY
-5.9% QoQ
|
+4.16% |
76.64%
+0.8% YoY
|
76.69%
-0.4% YoY
|
76.70%
+0.9% YoY
|
45% |
| Non-Interest-Bearing Deposit Share ? |
23.28%
-2.1% YoY
+7.5% QoQ
|
+1.27% |
22.02%
-1.0% YoY
|
21.87%
-0.9% YoY
|
22.01%
-1.2% YoY
|
60% |
| Nonperforming Asset Ratio ? |
1.28%
-15.6% YoY
-5.2% QoQ
|
+0.64% |
0.64%
+19.7% YoY
|
0.77%
+27.1% YoY
|
0.67%
+19.3% YoY
|
Bottom 14.4% in tier |
| Tier 1 Capital Ratio ? |
13.07%
+5.2% YoY
-1.5% QoQ
|
-2.76% |
15.83%
+1.5% YoY
|
15.37%
+0.7% YoY
|
17.06%
+0.8% YoY
|
48% |
| Non-Interest Income / Assets ? |
0.04%
-33.2% YoY
-81.1% QoQ
|
-0.24% |
0.28%
+9.3% YoY
|
0.16%
+5.0% YoY
|
0.32%
+4.1% YoY
|
Bottom 13.3% 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.