BlastPoint's Banking Scorecard

Security Bank & Trust Company

$1B-$10B Specialty: Commercial MN FDIC cert 15324

Designations: ✓ Community bank

Glencoe, MN

26 branches across MN

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 17 in MN.
Deposits +9.6% year over year ($1.2B on the books).
Delinquency rate 0.34%.
Return on assets 1.96%.
Efficiency ratio 48.62% vs a 59.73% peer average.
Loan-to-deposit ratio 71.34% 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 17 in MN

View $1B-$10B leaderboard (MN) →

Security Bank & Trust Company has 3 strengths but faces 2 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

+ Profitability Leader: Top 21.6% in tier
+ Efficiency Ratio 11.11% below tier average
+ Delinquency Rate 0.52% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 35.1% in tier
- Net Interest Margin 0.08% below tier average

Get updates when Security Bank & Trust Company releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Total Assets ?	$1.3B +9.4% YoY +2.9% QoQ	-$1.5B	$2.8B -0.6% YoY	$524.5M +5.8% YoY	$6.3B +7.7% YoY	24%
Total Loans ?	$856.4M +4.9% YoY +1.9% QoQ	-$1.1B	$2.0B -0.3% YoY	$300.2M +7.3% YoY	$3.2B +9.4% YoY	19%
Total Deposits ?	$1.2B +9.6% YoY +3.1% QoQ	-$1.1B	$2.3B -0.5% YoY	$452.1M +5.5% YoY	$4.9B +7.3% YoY	30%
Return on Assets ?	1.96% +36.8% YoY +3.0% QoQ	+0.57%	1.39% +17.0% YoY	1.26% +17.2% YoY	1.30% +12.1% YoY	Top 13.1% in tier
Net Interest Margin ?	3.79% +4.3% YoY +1.3% QoQ	-0.08%	3.87% +6.2% YoY	4.00% +6.8% YoY	3.95% +4.9% YoY	55%
Efficiency Ratio ?	48.62% -8.9% YoY -1.4% QoQ	-11.11%	59.73% -12.6% YoY	63.00% -3.5% YoY	70.05% +2.5% YoY	80%
Delinquency Rate ?	0.34% +604.3% YoY +3.7% QoQ	-0.52%	0.87% +11.7% YoY	1.01% +19.3% YoY	0.98% +16.3% YoY	65%
Loan-to-Deposit Ratio ?	71.34% -4.2% YoY -1.2% QoQ	-13.69%	85.04% -0.1% YoY	78.29% -0.6% YoY	79.03% +2.3% YoY	82%
Non-Interest-Bearing Deposit Share ?	13.78% +0.5% YoY -1.6% QoQ	-7.49%	21.27% -1.5% YoY	21.79% +0.9% YoY	21.98% -0.6% YoY	23%
Nonperforming Asset Ratio ?	0.22% +260.4% YoY +2.6% QoQ	-0.45%	0.67% +11.7% YoY	0.76% +16.9% YoY	0.69% +15.8% YoY	70%
Tier 1 Capital Ratio ?	13.90% +4.3% YoY -0.8% QoQ	-0.94%	14.84% -0.4% YoY	15.35% -0.4% YoY	17.09% +0.8% YoY	62%
Non-Interest Income / Assets ?	0.22% +30.8% YoY +103.2% QoQ	-0.31%	0.53% +2.5% YoY	0.31% +3.9% YoY	0.66% +5.2% YoY	35%

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 (MN)	National Avg	Tier Percentile
Noninterest-Bearing	13.8% +0.1pp YoY -0.2pp QoQ	-7.6pp	21.4%	21.9%	22.2%	22%
Brokered Deposits	n/a	n/a	9.5%	8.3%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
C&I	13.3% -0.4pp YoY +0.2pp QoQ	-0.7pp	14.0%	14.6%	12.5%	61%
CRE	51.1% +3.1pp YoY 0.0pp QoQ	+1.1pp	50.0%	36.5%	41.4%	55%
1-4 Family	21.8% -0.3pp YoY +0.1pp QoQ	-4.7pp	26.4%	29.4%	31.3%	46%
Consumer	0.5% -0.1pp YoY 0.0pp QoQ	-4.2pp	4.7%	4.5%	5.0%	31%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
CET1 Ratio	13.9% +0.6pp YoY -0.1pp QoQ	-1.7pp	15.6%	16.5%	19.7%	56%
Leverage Ratio	9.4% +0.3pp YoY 0.0pp QoQ	-1.9pp	11.3%	11.0%	12.6%	20%
Total Capital Ratio	15.0% +0.7pp YoY -0.1pp QoQ	-1.7pp	16.7%	17.6%	20.8%	55%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Full-Time Employees	154 -2 (-1.3%) YoY -2 (-1.3%) QoQ	-160	313	55	482	24%
Assets per Employee ($)	$8.6M +10.8% YoY +4.3% QoQ	-$1.9M	$10.5M	$8.6M	$8.8M	49%
Branch Count	26 0 YoY 0 QoQ	+6	20	4	18	77%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	0.4%	0.4%	n/a
Nonaccrual	0.3% +0.3pp YoY 0.0pp QoQ	-0.5pp	0.8%	1.0%	1.0%	35%
Allowance Coverage	2.95x -83.7% YoY -5.0% QoQ	-15.76x	18.71x	20.41x	20.23x	63%
Net Charge-off Rate (YTD)	0.1% -0.3pp YoY +0.1pp QoQ	-0.2pp	0.3%	0.2%	0.2%	60%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
ROE	20.6% +5.0pp YoY +0.7pp QoQ	+8.0pp	12.6%	13.1%	11.6%	91%
Cost of Funds (YTD)	1.8% -0.1pp YoY 0.0pp QoQ	-0.1pp	1.9%	1.7%	1.7%	44%
Net Income ($, YTD)	$12.7M +48.2% YoY — QoQ	-$6.5M	$19.2M	$4.5M	$40.4M	51%

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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 (1)

Profitability Leader

growth

#49 of 222 • Top 21.6% in tier

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

Why this signature

Return on Assets: 1.96%

(Tier: 1.39%, National: 1.30%)

better than tier avg

222 of 222 Mid-Market banks match · 923 nationally

→ Stable | QoQ rank improving

Concerns (1)

Credit Risk Growth

risk

#142 of 402 • Bottom 35.1% 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 (3 metrics)

117

Return on Assets

profitability

Value: 1.96%

Peer Median: 1.39%

#117 of 885 Top 13.1% in $1B-$10B

156

Loan-to-Deposit Ratio

liquidity

Value: 71.34%

Peer Median: 85.04%

#156 of 885 Top 17.5% in $1B-$10B

174

Efficiency Ratio

profitability

Value: 48.62%

Peer Median: 59.73%

#174 of 885 Top 19.5% in $1B-$10B

Top Weaknesses (3 metrics)

718

Total Loans

size

Value: $856.38M

Peer Median: $1.96B

#718 of 885 Bottom 19.0% in $1B-$10B

683

Non-Interest-Bearing Deposit Share

funding

Value: 13.78%

Peer Median: 21.27%

#683 of 885 Bottom 22.9% in $1B-$10B

670

Total Assets

size

Value: $1.33B

Peer Median: $2.79B

#670 of 885 Bottom 24.4% in $1B-$10B