BlastPoint's Banking Scorecard

Security Savings Bank

$100M-$1B Specialty: Agricultural IA FDIC cert 14208

Gowrie, IA

8 branches across IA

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 167 in IA.
Deposits -1.1% year over year ($161.1M on the books).
Delinquency rate 0.04%.
Return on assets 2.22%.
Efficiency ratio 49.47% vs a 64.48% peer average.
Loan-to-deposit ratio 89.34% 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 167 in IA

View $100M-$1B leaderboard (IA) →

Security Savings Bank has 4 strengths but faces 1 concern

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

+ Credit Quality Leader: Top 16.1% in tier
+ Profitability Leader: Top 19.5% in tier
+ Net Interest Margin 0.73% above tier average
+ Efficiency Ratio 15.01% below tier average

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 49.0% in tier

Get updates when Security Savings Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Total Assets ?	$193.7M +1.3% YoY -2.6% QoQ	-$192.9M	$386.6M +1.2% YoY	$566.2M +5.8% YoY	$6.3B +7.7% YoY	25%
Total Loans ?	$143.9M +12.8% YoY -0.1% QoQ	-$114.4M	$258.3M +1.7% YoY	$385.0M +5.4% YoY	$3.2B +9.4% YoY	33%
Total Deposits ?	$161.1M -1.1% YoY -3.4% QoQ	-$165.6M	$326.7M +0.7% YoY	$472.4M +6.3% YoY	$4.9B +7.3% YoY	24%
Return on Assets ?	2.22% +24.7% YoY +2.4% QoQ	+0.90%	1.32% +10.8% YoY	1.58% +39.1% YoY	1.30% +12.1% YoY	Top 8.2% in tier
Net Interest Margin ?	4.72% +8.5% YoY +3.5% QoQ	+0.73%	3.99% +5.0% YoY	3.58% +9.0% YoY	3.95% +4.9% YoY	Top 14.0% in tier
Efficiency Ratio ?	49.47% -8.2% YoY -1.5% QoQ	-15.01%	64.48% -3.2% YoY	57.74% -6.0% YoY	70.05% +2.5% YoY	84%
Delinquency Rate ?	0.04% -14.3% YoY -13.2% QoQ	-0.88%	0.92% +15.7% YoY	0.99% +12.8% YoY	0.98% +16.3% YoY	81%
Loan-to-Deposit Ratio ?	89.34% +14.0% YoY +3.4% QoQ	+11.39%	77.95% +1.0% YoY	80.39% +2.7% YoY	79.03% +2.3% YoY	28%
Non-Interest-Bearing Deposit Share ?	19.65% -3.0% YoY -13.4% QoQ	-2.38%	22.03% -0.6% YoY	17.72% +0.8% YoY	21.98% -0.6% YoY	44%
Nonperforming Asset Ratio ?	0.03% -4.5% YoY -11.0% QoQ	-0.64%	0.67% +16.4% YoY	0.63% +7.9% YoY	0.69% +15.8% YoY	82%
Tier 1 Capital Ratio ?	15.15% +3.2% YoY +2.7% QoQ	-0.76%	15.91% +1.4% YoY	14.69% +3.0% YoY	17.09% +0.8% YoY	67%
Non-Interest Income / Assets ?	0.23% +9.8% YoY +103.9% QoQ	-0.34%	0.57% +7.6% YoY	0.24% +5.5% YoY	0.66% +5.2% YoY	59%

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 (IA)	National Avg	Tier Percentile
Noninterest-Bearing	19.6% -0.6pp YoY -3.0pp QoQ	-2.5pp	22.1%	17.8%	22.2%	44%
Brokered Deposits	n/a	n/a	7.9%	6.0%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
C&I	14.0% -0.7pp YoY +0.1pp QoQ	+2.5pp	11.6%	12.8%	12.5%	72%
CRE	n/a	n/a	39.5%	28.3%	41.4%	n/a
1-4 Family	14.9% -2.4pp YoY -0.5pp QoQ	-17.8pp	32.6%	23.0%	31.3%	19%
Consumer	3.0% -0.6pp YoY -0.1pp QoQ	-1.1pp	4.1%	2.9%	5.0%	60%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
CET1 Ratio	15.2% +0.5pp YoY +0.4pp QoQ	-3.7pp	18.8%	15.4%	19.7%	51%
Leverage Ratio	13.2% +1.4pp YoY +0.2pp QoQ	+1.0pp	12.2%	12.4%	12.6%	76%
Total Capital Ratio	16.4% +0.5pp YoY +0.4pp QoQ	-3.5pp	19.9%	16.5%	20.8%	52%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Full-Time Employees	41 +5 (+13.9%) YoY +2 (+5.1%) QoQ	-18	58	64	482	42%
Assets per Employee ($)	$4.7M -11.0% YoY -7.3% QoQ	-$2.8M	$7.5M	$8.9M	$8.8M	11%
Branch Count	8 0 YoY 0 QoQ	+3	4	5	18	82%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.4%	0.4%	12%
Nonaccrual	0.0% 0.0pp YoY 0.0pp QoQ	-0.9pp	0.9%	1.0%	1.0%	9%
Allowance Coverage	38.61x +8.8% YoY +18.2% QoQ	+14.46x	24.15x	18.97x	20.23x	93%
Net Charge-off Rate (YTD)	-0.0% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.1%	0.1%	0.2%	17%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
ROE	15.6% +1.7pp YoY +0.1pp QoQ	+3.4pp	12.2%	12.8%	11.6%	71%
Cost of Funds (YTD)	1.2% 0.0pp YoY 0.0pp QoQ	-0.6pp	1.7%	1.8%	1.7%	17%
Net Income ($, YTD)	$2.2M +28.0% YoY — QoQ	-$380K	$2.6M	$4.0M	$40.4M	56%

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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)

Credit Quality Leader

growth

#107 of 659 • Top 16.1% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.04%

(Tier: 0.92%, National: 0.98%)

better than tier avg

659 of 659 Community banks match · 920 nationally

→ Stable +1 banks QoQ | QoQ rank declining

Profitability Leader

growth

#130 of 661 • Top 19.5% in tier

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

Why this signature

Return on Assets: 2.22%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

Concerns (1)

Deposit Outflow

decline

#263 of 535 • Bottom 49.0% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally

→ Stable +31 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 (5 metrics)

218

Return on Assets

profitability

Value: 2.22%

Peer Median: 1.32%

#218 of 2643 Top 8.2% in $100M-$1B

370

Net Interest Margin

profitability

Value: 4.72%

Peer Median: 3.99%

#370 of 2643 Top 14.0% in $100M-$1B

420

Efficiency Ratio

profitability

Value: 49.47%

Peer Median: 64.48%

#420 of 2643 Top 15.9% in $100M-$1B

476

Nonperforming Asset Ratio

credit_quality

Value: 0.03%

Peer Median: 0.67%

#476 of 2643 Top 18.0% in $100M-$1B

508

Delinquency Rate

credit_quality

Value: 0.04%

Peer Median: 0.92%

#508 of 2633 Top 19.3% in $100M-$1B

Top Weaknesses (1 metrics)

2003

Total Deposits

size

Value: $161.09M

Peer Median: $326.73M

#2003 of 2643 Bottom 24.3% in $100M-$1B