BlastPoint's Banking Scorecard

Security Financial Bank

$1B-$10B Specialty: Agricultural WI FDIC cert 14222

Designations: ✓ Community bank

Durand, WI

8 branches across WI

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 885 banks in the $1B-$10B peer group nationwide — 1 of 30 in WI.
Deposits +2.6% year over year ($827.5M on the books).
Delinquency rate 1.46%.
Return on assets 1.64%.
Efficiency ratio 54.49% vs a 59.73% peer average.
Loan-to-deposit ratio 90.28% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 30 in WI

View $1B-$10B leaderboard (WI) →

Security Financial Bank has 2 strengths but faces 3 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

+ ROA 0.25% above tier average
+ Efficiency Ratio 5.23% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 28.0% in tier
- Credit Risk Growth: Bottom 47.8% in tier
- Net Interest Margin 0.07% below tier average

Get updates when Security Financial Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Total Assets ?	$1.0B +6.0% YoY +1.9% QoQ	-$1.8B	$2.8B -0.6% YoY	$1.2B +13.5% YoY	$6.3B +7.7% YoY	Bottom 3.6% in tier
Total Loans ?	$747.1M +8.1% YoY +2.0% QoQ	-$1.2B	$2.0B -0.3% YoY	$860.4M +13.3% YoY	$3.2B +9.4% YoY	Bottom 10.3% in tier
Total Deposits ?	$827.5M +2.6% YoY +0.6% QoQ	-$1.5B	$2.3B -0.5% YoY	$935.5M +13.1% YoY	$4.9B +7.3% YoY	Bottom 2.5% in tier
Return on Assets ?	1.64% +28.2% YoY +2.2% QoQ	+0.25%	1.39% +17.0% YoY	1.56% +18.6% YoY	1.30% +12.1% YoY	76%
Net Interest Margin ?	3.81% +12.0% YoY +1.6% QoQ	-0.07%	3.87% +6.2% YoY	3.83% +8.5% YoY	3.95% +4.9% YoY	56%
Efficiency Ratio ?	54.49% -6.5% YoY +0.6% QoQ	-5.23%	59.73% -12.6% YoY	62.90% -5.1% YoY	70.05% +2.5% YoY	64%
Delinquency Rate ?	1.46% +20.4% YoY -6.5% QoQ	+0.59%	0.87% +11.7% YoY	0.85% +12.5% YoY	0.98% +16.3% YoY	17%
Loan-to-Deposit Ratio ?	90.28% +5.4% YoY +1.4% QoQ	+5.24%	85.04% -0.1% YoY	87.22% +0.9% YoY	79.03% +2.3% YoY	40%
Non-Interest-Bearing Deposit Share ?	19.29% -9.4% YoY +2.0% QoQ	-1.98%	21.27% -1.5% YoY	18.65% -1.9% YoY	21.98% -0.6% YoY	47%
Nonperforming Asset Ratio ?	1.09% +21.3% YoY -6.2% QoQ	+0.42%	0.67% +11.7% YoY	0.63% +16.4% YoY	0.69% +15.8% YoY	19%
Tier 1 Capital Ratio ?	11.98% +1.3% YoY +2.3% QoQ	-2.87%	14.84% -0.4% YoY	15.02% +1.5% YoY	17.09% +0.8% YoY	33%
Non-Interest Income / Assets ?	0.15% -10.1% YoY +99.3% QoQ	-0.38%	0.53% +2.5% YoY	2.21% +12.7% YoY	0.66% +5.2% YoY	19%

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 (WI)	National Avg	Tier Percentile
Noninterest-Bearing	19.3% -2.0pp YoY +0.4pp QoQ	-2.1pp	21.4%	18.9%	22.2%	46%
Brokered Deposits	7.4% +1.6pp YoY +1.5pp QoQ	-2.0pp	9.5%	9.2%	8.5%	60%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
C&I	18.1% -1.3pp YoY -0.4pp QoQ	+4.1pp	14.0%	10.5%	12.5%	76%
CRE	39.2% +1.2pp YoY +0.8pp QoQ	-10.8pp	50.0%	46.4%	41.4%	23%
1-4 Family	15.7% +1.3pp YoY +0.4pp QoQ	-10.7pp	26.4%	32.3%	31.3%	32%
Consumer	0.6% -0.2pp YoY 0.0pp QoQ	-4.1pp	4.7%	2.6%	5.0%	34%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
CET1 Ratio	12.0% +0.2pp YoY +0.3pp QoQ	-3.6pp	15.6%	15.5%	19.7%	23%
Leverage Ratio	9.7% +0.2pp YoY +0.2pp QoQ	-1.6pp	11.3%	12.6%	12.6%	27%
Total Capital Ratio	13.2% +0.1pp YoY +0.3pp QoQ	-3.5pp	16.7%	16.6%	20.8%	25%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Full-Time Employees	127 -7 (-5.2%) YoY -2 (-1.6%) QoQ	-187	313	134	482	16%
Assets per Employee ($)	$8.2M +11.8% YoY +3.5% QoQ	-$2.3M	$10.5M	$8.2M	$8.8M	43%
Branch Count	8 0 YoY 0 QoQ	-12	20	9	18	20%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	0.4%	0.4%	n/a
Nonaccrual	1.5% +0.2pp YoY -0.1pp QoQ	+0.6pp	0.8%	0.9%	1.0%	85%
Allowance Coverage	1.00x -16.4% YoY +6.1% QoQ	-17.71x	18.71x	56.89x	20.23x	24%
Net Charge-off Rate (YTD)	0.0% +0.1pp YoY 0.0pp QoQ	-0.2pp	0.3%	0.0%	0.2%	53%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
ROE	17.4% +2.7pp YoY +0.2pp QoQ	+4.8pp	12.6%	11.8%	11.6%	84%
Cost of Funds (YTD)	2.0% -0.1pp YoY 0.0pp QoQ	+0.1pp	1.9%	1.8%	1.7%	60%
Net Income ($, YTD)	$8.4M +36.4% YoY — QoQ	-$10.8M	$19.2M	$7.9M	$40.4M	32%

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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 (0)

No matched strength signatures this quarter

Concerns (2)

Liquidity Strain

risk

#102 of 361 • Bottom 28.0% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 90.28%

(Tier: 85.04%, National: 79.03%)

worse than tier avg

361 of 361 Mid-Market banks match · 1092 nationally

→ Stable +81 banks QoQ

Credit Risk Growth

risk

#193 of 402 • Bottom 47.8% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

402 of 402 Mid-Market banks match · 1401 nationally

→ Stable -58 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).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (1 metrics)

214

Return on Assets

profitability

Value: 1.64%

Peer Median: 1.39%

#214 of 885 Top 24.1% in $1B-$10B

Top Weaknesses (6 metrics)

864

Total Deposits

size

Value: $827.50M

Peer Median: $2.32B

#864 of 885 Bottom 2.5% in $1B-$10B

854

Total Assets

size

Value: $1.04B

Peer Median: $2.79B

#854 of 885 Bottom 3.6% in $1B-$10B

795

Total Loans

size

Value: $747.07M

Peer Median: $1.96B

#795 of 885 Bottom 10.3% in $1B-$10B

731

Delinquency Rate

credit_quality

Value: 1.46%

Peer Median: 0.87%

#731 of 882 Bottom 17.2% in $1B-$10B

721

Nonperforming Asset Ratio

credit_quality

Value: 1.09%

Peer Median: 0.67%

#721 of 885 Bottom 18.6% in $1B-$10B

716

Non-Interest Income / Assets

revenue_mix

Value: 0.15%

Peer Median: 0.53%

#716 of 885 Bottom 19.2% in $1B-$10B