BlastPoint's Banking Scorecard

Security Savings Bank

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

Gowrie, IA

8 branches across IA

2664 banks in the $100M-$1B peer group nationally 166 in 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 9.3% in tier
+ Profitability Leader: Top 25.4% in tier
+ Net Interest Margin 0.63% above tier average
+ Efficiency Ratio 15.04% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 5.0% in tier

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Total Assets ?	$198.8M +3.7% YoY +2.4% QoQ	-$187.3M	$386.1M +0.5% YoY	$560.1M +4.8% YoY	$6.2B +9.1% YoY	26%
Total Loans ?	$144.0M +13.9% YoY +7.3% QoQ	-$111.7M	$255.7M +1.1% YoY	$379.9M +5.0% YoY	$3.2B +10.8% YoY	34%
Total Deposits ?	$166.8M +1.8% YoY +2.5% QoQ	-$161.2M	$328.0M +0.1% YoY	$469.6M +4.4% YoY	$4.8B +8.2% YoY	25%
Return on Assets ?	2.17% +24.1% YoY +18.3% QoQ	+0.90%	1.27% +12.9% YoY	1.31% +22.6% YoY	1.23% +13.4% YoY	Top 9.2% in tier
Net Interest Margin ?	4.56% +6.7% YoY +2.1% QoQ	+0.63%	3.93% +6.0% YoY	3.52% +10.3% YoY	3.89% +5.7% YoY	84%
Efficiency Ratio ?	50.24% -7.9% YoY -7.0% QoQ	-15.04%	65.29% -4.5% YoY	58.40% -7.6% YoY	66.95% -4.1% YoY	84%
Delinquency Rate ?	0.05% +86.6% YoY +15.3% QoQ	-0.84%	0.89% +18.8% YoY	0.92% +14.5% YoY	0.95% +18.8% YoY	80%
Loan-to-Deposit Ratio ?	86.37% +11.9% YoY +4.6% QoQ	+9.73%	76.64% +0.8% YoY	77.40% +1.1% YoY	76.70% +0.9% YoY	32%
Non-Interest-Bearing Deposit Share ?	22.69% +4.1% YoY +6.7% QoQ	+0.67%	22.02% -1.0% YoY	17.87% +0.7% YoY	22.01% -1.2% YoY	57%
Nonperforming Asset Ratio ?	0.03% +104.8% YoY +20.8% QoQ	-0.60%	0.64% +19.7% YoY	0.58% +11.7% YoY	0.67% +19.3% YoY	80%
Tier 1 Capital Ratio ?	14.76% +2.0% YoY -2.2% QoQ	-1.07%	15.83% +1.5% YoY	14.34% +1.8% YoY	17.06% +0.8% YoY	64%
Non-Interest Income / Assets ?	0.11% +9.5% YoY -75.0% QoQ	-0.17%	0.28% +9.3% YoY	0.12% +10.7% YoY	0.32% +4.1% YoY	59%

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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

#63 of 664 • Top 9.3% in tier

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

Why this signature

Delinquency Rate: 0.05%

(Tier: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Profitability Leader

growth

#170 of 666 • Top 25.4% in tier

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

Why this signature

Return on Assets: 2.17%

(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 (1)

Credit Quality Pressure

risk

#66 of 1308 • Bottom 5.0% in tier

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

Why this signature

Delinquency Rate: 0.05%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 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 2664 peers in $100M-$1B

Top Strengths (5 metrics)

246

Return on Assets

profitability

Value: 2.17%

Peer Median: 1.27%

#246 of 2664 Top 9.2% in $100M-$1B

435

Efficiency Ratio

profitability

Value: 50.24%

Peer Median: 65.29%

#435 of 2664 Top 16.3% in $100M-$1B

438

Net Interest Margin

profitability

Value: 4.56%

Peer Median: 3.93%

#438 of 2664 Top 16.4% in $100M-$1B

523

Nonperforming Asset Ratio

credit_quality

Value: 0.03%

Peer Median: 0.64%

#523 of 2664 Top 19.6% in $100M-$1B

535

Delinquency Rate

credit_quality

Value: 0.05%

Peer Median: 0.89%

#535 of 2654 Top 20.1% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available