BlastPoint's Banking Scorecard
Security State Bank of Kenyon
Designations: ✓ Community bank
Kenyon, 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 536 banks in the under $100M peer group nationwide — 1 of 52 in MN.
- Deposits +8.1% year over year ($63.2M on the books).
- Delinquency rate 0.36%.
- Return on assets 0.86%.
- Efficiency ratio 75.32% vs a 119.40% peer average.
- Loan-to-deposit ratio 85.40% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Security State Bank of Kenyon has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.58% above tier average
- + Efficiency Ratio 44.07% below tier average
- + Delinquency Rate 1.12% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.14% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$72.2M
+7.6% YoY
+1.4% QoQ
|
+$9.8M |
$62.4M
-0.0% YoY
|
$524.5M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
60% |
| Total Loans ? |
$53.9M
+7.3% YoY
+4.4% QoQ
|
+$19.1M |
$34.9M
-0.6% YoY
|
$300.2M
+7.3% YoY
|
$3.2B
+9.4% YoY
|
81% |
| Total Deposits ? |
$63.2M
+8.1% YoY
+1.2% QoQ
|
+$11.5M |
$51.6M
-0.2% YoY
|
$452.1M
+5.5% YoY
|
$4.9B
+7.3% YoY
|
64% |
| Return on Assets ? |
0.86%
-2.8% YoY
+104.8% QoQ
|
-0.14% |
1.00%
+3.5% YoY
|
1.26%
+17.2% YoY
|
1.30%
+12.1% YoY
|
43% |
| Net Interest Margin ? |
4.49%
+0.4% YoY
+1.7% QoQ
|
+0.58% |
3.91%
+2.3% YoY
|
4.00%
+6.8% YoY
|
3.95%
+4.9% YoY
|
74% |
| Efficiency Ratio ? |
75.32%
-1.8% YoY
-11.9% QoQ
|
-44.07% |
119.40%
+49.6% YoY
|
63.00%
-3.5% YoY
|
70.05%
+2.5% YoY
|
41% |
| Delinquency Rate ? |
0.36%
+27.9% QoQ
|
-1.12% |
1.48%
+31.8% YoY
|
1.01%
+19.3% YoY
|
0.98%
+16.3% YoY
|
53% |
| Loan-to-Deposit Ratio ? |
85.40%
-0.7% YoY
+3.2% QoQ
|
+11.19% |
74.21%
+12.6% YoY
|
78.29%
-0.6% YoY
|
79.03%
+2.3% YoY
|
22% |
| Non-Interest-Bearing Deposit Share ? |
28.18%
-7.0% YoY
-4.9% QoQ
|
+4.69% |
23.49%
+0.6% YoY
|
21.79%
+0.9% YoY
|
21.98%
-0.6% YoY
|
69% |
| Nonperforming Asset Ratio ? |
0.27%
+31.7% QoQ
|
-0.57% |
0.84%
+23.0% YoY
|
0.76%
+16.9% YoY
|
0.69%
+15.8% YoY
|
50% |
| Tier 1 Capital Ratio ? |
15.77%
-4.0% YoY
-1.0% QoQ
|
-11.36% |
27.13%
+3.0% YoY
|
15.35%
-0.4% YoY
|
17.09%
+0.8% YoY
|
52% |
| Non-Interest Income / Assets ? |
0.10%
-14.0% YoY
+94.6% QoQ
|
-1.28% |
1.38%
+6.3% YoY
|
0.31%
+3.9% YoY
|
0.66%
+5.2% YoY
|
41% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
28.2%
-2.1pp YoY -1.5pp QoQ |
+3.5pp | 24.6% | 21.9% | 22.2% | 67% |
| Brokered Deposits | n/a | n/a | 9.8% | 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 |
9.2%
+1.6pp YoY -0.4pp QoQ |
-4.2pp | 13.4% | 14.6% | 12.5% | 47% |
| CRE | n/a | n/a | 25.2% | 36.5% | 41.4% | n/a |
| 1-4 Family |
24.9%
+0.6pp YoY +1.3pp QoQ |
-10.1pp | 35.0% | 29.4% | 31.3% | 44% |
| Consumer |
1.5%
-0.5pp YoY -0.1pp QoQ |
-6.1pp | 7.7% | 4.5% | 5.0% | 17% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
15.8%
-0.7pp YoY -0.2pp QoQ |
-22.9pp | 38.7% | 16.5% | 19.7% | 27% |
| Leverage Ratio |
12.6%
-0.7pp YoY -0.1pp QoQ |
-5.1pp | 17.7% | 11.0% | 12.6% | 47% |
| Total Capital Ratio |
16.8%
-0.6pp YoY -0.2pp QoQ |
-22.9pp | 39.7% | 17.6% | 20.8% | 27% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
13
0 YoY 0 QoQ |
+1 | 12 | 55 | 482 | 62% |
| Assets per Employee ($) |
$5.6M
+7.6% YoY +1.4% QoQ |
-$634K | $6.2M | $8.6M | $8.8M | 44% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 4 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | 0.1% | -0.8pp | 1.0% | 0.4% | 0.4% | 28% |
| Nonaccrual |
0.3%
0.0pp QoQ |
-1.5pp | 1.7% | 1.0% | 1.0% | 27% |
| Allowance Coverage |
2.89x
-21.8% QoQ |
-3.52x | 6.41x | 20.41x | 20.23x | 70% |
| Net Charge-off Rate (YTD) |
-0.0%
-0.2pp YoY |
-0.2pp | 0.2% | 0.2% | 0.2% | 23% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
7.1%
-0.3pp YoY +3.6pp QoQ |
+0.7pp | 6.4% | 13.1% | 11.6% | 44% |
| Cost of Funds (YTD) |
1.2%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 1.4% | 1.7% | 1.7% | 40% |
| Net Income ($, YTD) |
$308,000
+2.3% YoY — QoQ |
-$10K | $317,817 | $4.5M | $40.4M | 53% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.