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

884 banks in the $1B-$10B peer group nationally 16 in 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 22.6% in tier
+ Efficiency Ratio 11.75% below tier average
+ Delinquency Rate 0.56% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 37.9% 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-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Total Assets ?	$1.3B +6.8% YoY +0.3% QoQ	-$1.5B	$2.8B -0.1% YoY	$512.9M +5.5% YoY	$6.2B +9.1% YoY	23%
Total Loans ?	$840.7M +6.9% YoY +0.4% QoQ	-$1.1B	$2.0B +0.6% YoY	$288.3M +6.9% YoY	$3.2B +10.8% YoY	18%
Total Deposits ?	$1.2B +6.3% YoY +0.2% QoQ	-$1.2B	$2.3B -0.3% YoY	$443.8M +5.0% YoY	$4.8B +8.2% YoY	28%
Return on Assets ?	1.90% +42.6% YoY +16.2% QoQ	+0.53%	1.37% +19.6% YoY	1.13% +10.7% YoY	1.23% +13.4% YoY	Top 13.6% in tier
Net Interest Margin ?	3.74% +7.4% YoY +0.9% QoQ	-0.08%	3.82% +6.9% YoY	3.93% +7.5% YoY	3.89% +5.7% YoY	56%
Efficiency Ratio ?	49.31% -8.8% YoY -1.4% QoQ	-11.75%	61.06% -4.6% YoY	64.77% -3.3% YoY	66.95% -4.1% YoY	80%
Delinquency Rate ?	0.33% +98.8% YoY +6.1% QoQ	-0.56%	0.89% +14.1% YoY	1.04% +28.9% YoY	0.95% +18.8% YoY	67%
Loan-to-Deposit Ratio ?	72.23% +0.6% YoY +0.2% QoQ	-11.98%	84.20% +0.3% YoY	76.69% -0.4% YoY	76.70% +0.9% YoY	79%
Non-Interest-Bearing Deposit Share ?	14.01% +2.3% YoY +2.2% QoQ	-7.28%	21.29% -2.5% YoY	21.87% -0.9% YoY	22.01% -1.2% YoY	24%
Nonperforming Asset Ratio ?	0.22% +11.8% YoY +6.1% QoQ	-0.46%	0.67% +15.6% YoY	0.77% +27.1% YoY	0.67% +19.3% YoY	71%
Tier 1 Capital Ratio ?	14.01% +2.1% YoY +4.0% QoQ	-1.15%	15.16% +2.0% YoY	15.37% +0.7% YoY	17.06% +0.8% YoY	63%
Non-Interest Income / Assets ?	0.11% +12.0% YoY -78.3% QoQ	-0.15%	0.26% +1.6% YoY	0.16% +5.0% YoY	0.32% +4.1% YoY	36%

Get Full Access to Security Bank & Trust Company

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

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

#51 of 221 • Top 22.6% in tier

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

Why this signature

Return on Assets: 1.90%

(Tier: 1.37%, National: 1.23%)

better than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Concerns (1)

Credit Risk Growth

risk

#160 of 420 • Bottom 37.9% in tier

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

420 of 420 Mid-Market banks match · 1464 nationally

→ Stable -10 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 884 peers in $1B-$10B

Top Strengths (3 metrics)

121

Return on Assets

profitability

Value: 1.90%

Peer Median: 1.37%

#121 of 884 Top 13.6% in $1B-$10B

177

Efficiency Ratio

profitability

Value: 49.31%

Peer Median: 61.06%

#177 of 884 Top 19.9% in $1B-$10B

184

Loan-to-Deposit Ratio

liquidity

Value: 72.23%

Peer Median: 84.20%

#184 of 884 Top 20.7% in $1B-$10B

Top Weaknesses (3 metrics)

722

Total Loans

size

Value: $840.65M

Peer Median: $1.96B

#722 of 884 Bottom 18.4% in $1B-$10B

685

Total Assets

size

Value: $1.29B

Peer Median: $2.82B

#685 of 884 Bottom 22.6% in $1B-$10B

672

Non-Interest-Bearing Deposit Share

funding

Value: 14.01%

Peer Median: 21.29%

#672 of 884 Bottom 24.1% in $1B-$10B