BlastPoint

BlastPoint's Banking Scorecard

Security State Bank

$100M-$1B Specialty: Commercial WY FDIC cert 12592

Basin, WY

5 branches across WY

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 17 in WY.
  • Deposits +0.7% year over year ($380.1M on the books).
  • Delinquency rate 0.22%.
  • Return on assets 0.56%.
  • Efficiency ratio 78.23% vs a 64.48% peer average.
  • Loan-to-deposit ratio 67.66% 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 17 in WY
View $100M-$1B leaderboard (WY) →

Security State Bank has 1 strength 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

  • + Delinquency Rate 0.69% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 22.9% in tier
  • - ROA 0.77% below tier average
  • - Net Interest Margin 0.79% below tier average
  • - Efficiency Ratio 13.75% above tier average
Get updates when Security State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (WY) National Avg Tier Percentile
Total Assets ? $449.1M
+4.1% YoY +4.2% QoQ
+$62.6M $386.6M
+1.2% YoY
$450.2M
+6.6% YoY
$6.3B
+7.7% YoY
67%
Total Loans ? $257.1M
+15.6% YoY +11.2% QoQ
-$1.2M $258.3M
+1.7% YoY
$256.9M
+8.1% YoY
$3.2B
+9.4% YoY
60%
Total Deposits ? $380.1M
+0.7% YoY -0.9% QoQ
+$53.3M $326.7M
+0.7% YoY
$395.8M
+5.2% YoY
$4.9B
+7.3% YoY
67%
Return on Assets ? 0.56%
+86.4% YoY +3.9% QoQ
-0.77% 1.32%
+10.8% YoY
1.35%
+50.4% YoY
1.30%
+12.1% YoY
Bottom 13.8% in tier
Net Interest Margin ? 3.19%
+13.3% YoY +2.9% QoQ
-0.79% 3.99%
+5.0% YoY
3.97%
+6.9% YoY
3.95%
+4.9% YoY
16%
Efficiency Ratio ? 78.23%
-9.8% YoY -3.4% QoQ
+13.75% 64.48%
-3.2% YoY
70.09%
-6.6% YoY
70.05%
+2.5% YoY
16%
Delinquency Rate ? 0.22%
+138.4% YoY -6.2% QoQ
-0.69% 0.92%
+15.7% YoY
0.54%
-5.2% YoY
0.98%
+16.3% YoY
64%
Loan-to-Deposit Ratio ? 67.66%
+14.8% YoY +12.2% QoQ
-10.30% 77.95%
+1.0% YoY
246.53%
+252.1% YoY
79.03%
+2.3% YoY
73%
Non-Interest-Bearing Deposit Share ? 10.76%
+0.9% YoY -2.3% QoQ
-11.27% 22.03%
-0.6% YoY
24.71%
-0.8% YoY
21.98%
-0.6% YoY
Bottom 12.1% in tier
Nonperforming Asset Ratio ? 0.13%
+164.7% YoY +0.1% QoQ
-0.54% 0.67%
+16.4% YoY
0.41%
+17.6% YoY
0.69%
+15.8% YoY
67%
Tier 1 Capital Ratio ? 16.19%
-5.2% YoY -7.1% QoQ
+0.28% 15.91%
+1.4% YoY
20.04%
+15.3% YoY
17.09%
+0.8% YoY
73%
Non-Interest Income / Assets ? 0.25%
+22.2% YoY +97.9% QoQ
-0.32% 0.57%
+7.6% YoY
0.52%
+37.3% YoY
0.66%
+5.2% YoY
63%

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 (WY) National Avg Tier Percentile
Noninterest-Bearing 10.8%
+0.1pp YoY
-0.3pp QoQ
 -11.4pp 22.1% 24.7% 22.2% 12%
Brokered Deposits 1.3%
-5.6pp YoY
-1.3pp QoQ
 -6.5pp 7.9% 12.5% 8.5% 22%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (WY) National Avg Tier Percentile
C&I 15.2%
+3.1pp YoY
-1.2pp QoQ
 +3.6pp 11.6% 16.1% 12.5% 76%
CRE 39.4%
-0.9pp YoY
+0.8pp QoQ
 -0.1pp 39.5% 45.3% 41.4% 52%
1-4 Family 27.2%
-3.5pp YoY
-1.8pp QoQ
 -5.5pp 32.6% 25.2% 31.3% 45%
Consumer 4.1%
-1.2pp YoY
-0.4pp QoQ
 0.0pp 4.1% 4.1% 5.0% 71%

Capital

Metric Current vs Tier Tier Avg State Avg (WY) National Avg Tier Percentile
CET1 Ratio 16.2%
-0.9pp YoY
-1.2pp QoQ
 -2.6pp 18.8% 25.5% 19.7% 59%
Leverage Ratio 10.4%
+0.2pp YoY
0.0pp QoQ
 -1.7pp 12.2% 11.6% 12.6% 40%
Total Capital Ratio 17.4%
-0.9pp YoY
-1.3pp QoQ
 -2.6pp 19.9% 26.6% 20.8% 59%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (WY) National Avg Tier Percentile
Full-Time Employees 70
+5 (+7.7%) YoY
-1 (-1.4%) QoQ
 +11 58 57 482 71%
Assets per Employee ($) $6.4M
-3.3% YoY
+5.7% QoQ
 -$1.1M $7.5M $8.7M $8.8M 41%
Branch Count 5
0 YoY
0 QoQ
 0 4 4 18 55%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (WY) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.2% 0.4% n/a
Nonaccrual 0.2%
+0.1pp YoY
0.0pp QoQ
 -0.7pp 0.9% 0.6% 1.0% 32%
Allowance Coverage 5.94x
-61.1% YoY
+1.2% QoQ
 -18.22x 24.15x 18.30x 20.23x 74%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 58%

Profitability

Metric Current vs Tier Tier Avg State Avg (WY) National Avg Tier Percentile
ROE 6.4%
+2.4pp YoY
+0.2pp QoQ
 -5.8pp 12.2% 9.7% 11.6% 18%
Cost of Funds (YTD) 1.7%
-0.2pp YoY
0.0pp QoQ
 0.0pp 1.7% 1.6% 1.7% 54%
Net Income ($, YTD) $1.2M
+88.9% YoY
— QoQ
 -$1.3M $2.6M $3.2M $40.4M 34%

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 (1)

Credit Quality Pressure

risk
#289 of 1256 • Bottom 22.9% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.22%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (4 metrics)

2324
Non-Interest-Bearing Deposit Share
funding
Value: 10.76%
Peer Median: 22.03%
#2324 of 2643 Bottom 12.1% in $100M-$1B
2279
Return on Assets
profitability
Value: 0.56%
Peer Median: 1.32%
#2279 of 2643 Bottom 13.8% in $100M-$1B
2226
Net Interest Margin
profitability
Value: 3.19%
Peer Median: 3.99%
#2226 of 2643 Bottom 15.8% in $100M-$1B
2225
Efficiency Ratio
profitability
Value: 78.23%
Peer Median: 64.48%
#2225 of 2643 Bottom 15.9% in $100M-$1B
Powered by BlastPoint © 2026