BlastPoint's Banking Scorecard

Security State Bank of Kenyon

under $100M Specialty: Agricultural MN FDIC cert 15597

Designations: ✓ Community bank

Kenyon, MN

537 banks in the under $100M peer group nationally 54 in MN

Security State Bank of Kenyon has 3 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

+ Net Interest Margin 0.55% above tier average
+ Efficiency Ratio 2.10% below tier average
+ Delinquency Rate 1.08% below tier average

Key Concerns

Areas that may need attention

- ROA 0.44% below tier average

Get updates when Security State Bank of Kenyon releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Total Assets ?	$71.2M +5.2% YoY -1.3% QoQ	+$8.9M	$62.3M -0.5% YoY	$514.9M +5.5% YoY	$6.2B +9.0% YoY	59%
Total Loans ?	$51.7M +2.7% YoY +5.8% QoQ	+$17.4M	$34.3M -1.5% YoY	$289.5M +6.9% YoY	$3.2B +10.7% YoY	79%
Total Deposits ?	$62.4M +5.4% YoY -1.0% QoQ	+$10.6M	$51.8M -0.6% YoY	$445.6M +5.0% YoY	$4.8B +8.0% YoY	63%
Return on Assets ?	0.42% -54.1% YoY -57.3% QoQ	-0.44%	0.86% -3.6% YoY	1.14% +11.1% YoY	1.24% +13.1% YoY	27%
Net Interest Margin ?	4.41% -0.3% YoY -2.2% QoQ	+0.55%	3.87% +2.7% YoY	3.93% +7.5% YoY	3.89% +5.7% YoY	73%
Efficiency Ratio ?	85.52% +12.5% YoY +15.0% QoQ	-2.10%	87.63% +2.3% YoY	64.52% -3.4% YoY	66.84% -3.8% YoY	26%
Delinquency Rate ?	0.28% -84.8% YoY	-1.08%	1.36% +33.7% YoY	1.04% +28.5% YoY	0.95% +18.8% YoY	55%
Loan-to-Deposit Ratio ?	82.77% -2.6% YoY +6.8% QoQ	+18.66%	64.11% -0.9% YoY	76.74% -0.5% YoY	76.69% +0.9% YoY	23%
Non-Interest-Bearing Deposit Share ?	29.63% -2.0% YoY -15.3% QoQ	+5.84%	23.79% +0.5% YoY	21.89% -0.8% YoY	22.01% -1.1% YoY	73%
Nonperforming Asset Ratio ?	0.21% -85.1% YoY	-0.57%	0.77% +28.7% YoY	0.77% +26.8% YoY	0.66% +19.3% YoY	52%
Tier 1 Capital Ratio ?	15.93% -1.1% YoY -4.2% QoQ	-10.84%	26.77% +2.0% YoY	15.37% +0.7% YoY	17.06% +0.8% YoY	54%
Non-Interest Income / Assets ?	0.05% -14.0% YoY -77.2% QoQ	-0.62%	0.67% +1.6% YoY	0.15% +3.6% YoY	0.32% +4.0% YoY	46%

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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 (0)

No matched concern signatures this quarter

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 537 peers in under $100M

Top Strengths (1 metrics)

113

Total Loans

size

Value: $51.66M

Peer Median: $34.29M

#113 of 537 Top 20.9% in under $100M

Top Weaknesses (1 metrics)

414

Loan-to-Deposit Ratio

liquidity

Value: 82.77%

Peer Median: 64.11%

#414 of 537 Bottom 23.1% in under $100M