BlastPoint's Banking Scorecard
Security Financial Bank
Designations: ✓ Community bank
Durand, WI
8 branches across WI
Security Financial Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 49.8% in tier
- + Efficiency Ratio 6.90% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.07% below tier average
- - Delinquency Rate 0.67% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.0B
+5.3% YoY
-0.7% QoQ
|
-$1.8B |
$2.8B
-0.1% YoY
|
$1.1B
+10.1% YoY
|
$6.2B
+9.1% YoY
|
Bottom 2.1% in tier |
| Total Loans ? |
$732.2M
+8.5% YoY
+1.0% QoQ
|
-$1.2B |
$2.0B
+0.6% YoY
|
$816.7M
+9.9% YoY
|
$3.2B
+10.8% YoY
|
Bottom 9.4% in tier |
| Total Deposits ? |
$822.7M
+2.7% YoY
-1.8% QoQ
|
-$1.5B |
$2.3B
-0.3% YoY
|
$905.4M
+9.0% YoY
|
$4.8B
+8.2% YoY
|
Bottom 2.7% in tier |
| Return on Assets ? |
1.60%
+33.4% YoY
+13.9% QoQ
|
+0.24% |
1.37%
+19.6% YoY
|
1.50%
+15.4% YoY
|
1.23%
+13.4% YoY
|
76% |
| Net Interest Margin ? |
3.75%
+13.8% YoY
+5.1% QoQ
|
-0.07% |
3.82%
+6.9% YoY
|
3.77%
+9.2% YoY
|
3.89%
+5.7% YoY
|
56% |
| Efficiency Ratio ? |
54.16%
-11.6% YoY
-6.1% QoQ
|
-6.90% |
61.06%
-4.6% YoY
|
64.74%
-4.5% YoY
|
66.95%
-4.1% YoY
|
67% |
| Delinquency Rate ? |
1.56%
+890.4% YoY
+1.1% QoQ
|
+0.67% |
0.89%
+14.1% YoY
|
0.87%
+31.3% YoY
|
0.95%
+18.8% YoY
|
Bottom 14.9% in tier |
| Loan-to-Deposit Ratio ? |
89.00%
+5.6% YoY
+2.9% QoQ
|
+4.80% |
84.20%
+0.3% YoY
|
86.53%
+1.6% YoY
|
76.70%
+0.9% YoY
|
42% |
| Non-Interest-Bearing Deposit Share ? |
18.90%
-7.6% YoY
-16.3% QoQ
|
-2.39% |
21.29%
-2.5% YoY
|
18.27%
-0.8% YoY
|
22.01%
-1.2% YoY
|
46% |
| Nonperforming Asset Ratio ? |
1.16%
+638.9% YoY
+2.8% QoQ
|
+0.49% |
0.67%
+15.6% YoY
|
0.63%
+35.0% YoY
|
0.67%
+19.3% YoY
|
17% |
| Tier 1 Capital Ratio ? |
11.71%
-0.7% YoY
-0.4% QoQ
|
-3.45% |
15.16%
+2.0% YoY
|
14.74%
+0.5% YoY
|
17.06%
+0.8% YoY
|
27% |
| Non-Interest Income / Assets ? |
0.08%
-3.1% YoY
-76.9% QoQ
|
-0.18% |
0.26%
+1.6% YoY
|
1.15%
+12.5% YoY
|
0.32%
+4.1% YoY
|
21% |
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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 (1)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.