BlastPoint's Banking Scorecard

Security State Bank

$100M-$1B Specialty: Agricultural TX FDIC cert 11907

Farwell, TX

2664 banks in the $100M-$1B peer group nationally 219 in TX

Security State Bank shows strong momentum with 5 strengths and 6.8% YoY asset growth

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

+ Revenue Diversifier: Top 6.3% in tier
+ Profitability Leader: Top 44.0% in tier
+ Efficiency Ratio 35.12% below tier average
+ Net Interest Margin 0.23% above tier average
+ Delinquency Rate 0.86% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when Security State Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$336.0M +6.8% YoY -2.3% QoQ	-$50.1M	$386.1M +0.5% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	52%
Total Loans ?	$266.6M +17.3% YoY +1.7% QoQ	+$10.9M	$255.7M +1.1% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	62%
Total Deposits ?	$288.3M +5.8% YoY -3.8% QoQ	-$39.7M	$328.0M +0.1% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	52%
Return on Assets ?	3.62% +1.0% YoY +69.3% QoQ	+2.35%	1.27% +12.9% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	Top 0.8% in tier
Net Interest Margin ?	4.16% +3.9% YoY -1.1% QoQ	+0.23%	3.93% +6.0% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	66%
Efficiency Ratio ?	30.17% +5.7% YoY -35.8% QoQ	-35.12%	65.29% -4.5% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	Top 0.9% in tier
Delinquency Rate ?	0.03% -98.7% YoY -1.7% QoQ	-0.86%	0.89% +18.8% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	83%
Loan-to-Deposit Ratio ?	92.49% +10.8% YoY +5.7% QoQ	+15.85%	76.64% +0.8% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	19%
Non-Interest-Bearing Deposit Share ?	15.72% +32.1% YoY -14.7% QoQ	-6.30%	22.02% -1.0% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	27%
Nonperforming Asset Ratio ?	0.02% -98.6% YoY +2.4% QoQ	-0.62%	0.64% +19.7% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	83%
Tier 1 Capital Ratio ?	14.04% +2.4% YoY +6.5% QoQ	-1.79%	15.83% +1.5% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	57%
Non-Interest Income / Assets ?	0.43% +14.7% YoY -6.3% QoQ	+0.15%	0.28% +9.3% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	Top 4.1% in tier

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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 (2)

Revenue Diversifier

growth

#43 of 666 • Top 6.3% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.43%

(Tier: 0.28%, National: 0.32%)

better than tier avg

Return on Assets: 3.62%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ

Profitability Leader

growth

#294 of 666 • Top 44.0% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 3.62%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

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 (5 metrics)

Return on Assets

profitability

Value: 3.62%

Peer Median: 1.27%

#22 of 2664 Top 0.8% in $100M-$1B

Efficiency Ratio

profitability

Value: 30.17%

Peer Median: 65.29%

#24 of 2664 Top 0.9% in $100M-$1B

110

Non-Interest Income / Assets

revenue_mix

Value: 0.43%

Peer Median: 0.28%

#110 of 2664 Top 4.1% in $100M-$1B

456

Delinquency Rate

credit_quality

Value: 0.03%

Peer Median: 0.89%

#456 of 2654 Top 17.1% in $100M-$1B

462

Nonperforming Asset Ratio

credit_quality

Value: 0.02%

Peer Median: 0.64%

#462 of 2664 Top 17.3% in $100M-$1B

Top Weaknesses (1 metrics)

2146

Loan-to-Deposit Ratio

liquidity

Value: 92.49%

Peer Median: 76.64%

#2146 of 2664 Bottom 19.5% in $100M-$1B