BlastPoint's Banking Scorecard
Security Savings Bank
Canton, SD
8 branches across IA · MN · SD
Security Savings Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 9.9% in tier
Key Concerns
Areas that may need attention
- - ROA 0.37% below tier average
- - Net Interest Margin 0.64% below tier average
- - Efficiency Ratio 6.53% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$549.6M
+8.0% YoY
+3.1% QoQ
|
+$163.5M |
$386.1M
+0.5% YoY
|
$68.7B
+9.0% YoY
|
$6.2B
+9.1% YoY
|
76% |
| Total Loans ? |
$415.4M
+2.8% YoY
+0.0% QoQ
|
+$159.7M |
$255.7M
+1.1% YoY
|
$30.8B
+10.3% YoY
|
$3.2B
+10.8% YoY
|
81% |
| Total Deposits ? |
$490.1M
+8.1% YoY
+3.2% QoQ
|
+$162.1M |
$328.0M
+0.1% YoY
|
$54.8B
+8.5% YoY
|
$4.8B
+8.2% YoY
|
79% |
| Return on Assets ? |
0.90%
+52.2% YoY
+22.6% QoQ
|
-0.37% |
1.27%
+12.9% YoY
|
1.41%
+1.8% YoY
|
1.23%
+13.4% YoY
|
31% |
| Net Interest Margin ? |
3.29%
+10.1% YoY
+2.6% QoQ
|
-0.64% |
3.93%
+6.0% YoY
|
4.19%
+0.4% YoY
|
3.89%
+5.7% YoY
|
21% |
| Efficiency Ratio ? |
71.82%
-9.5% YoY
-5.8% QoQ
|
+6.53% |
65.29%
-4.5% YoY
|
64.00%
-0.6% YoY
|
66.95%
-4.1% YoY
|
28% |
| Delinquency Rate ? |
0.09%
-11.2% YoY
+19.3% QoQ
|
-0.80% |
0.89%
+18.8% YoY
|
0.59%
+45.1% YoY
|
0.95%
+18.8% YoY
|
75% |
| Loan-to-Deposit Ratio ? |
84.77%
-4.8% YoY
-3.1% QoQ
|
+8.13% |
76.64%
+0.8% YoY
|
71.70%
+0.3% YoY
|
76.70%
+0.9% YoY
|
35% |
| Non-Interest-Bearing Deposit Share ? |
14.69%
-1.7% YoY
-6.1% QoQ
|
-7.33% |
22.02%
-1.0% YoY
|
23.74%
-0.7% YoY
|
22.01%
-1.2% YoY
|
23% |
| Nonperforming Asset Ratio ? |
0.07%
-15.4% YoY
+15.7% QoQ
|
-0.57% |
0.64%
+19.7% YoY
|
0.41%
+39.3% YoY
|
0.67%
+19.3% YoY
|
75% |
| Tier 1 Capital Ratio ? |
10.67%
-11.0% YoY
-3.2% QoQ
|
-5.16% |
15.83%
+1.5% YoY
|
15.79%
+0.8% YoY
|
17.06%
+0.8% YoY
|
19% |
| Non-Interest Income / Assets ? |
0.07%
-14.4% YoY
-74.3% QoQ
|
-0.21% |
0.28%
+9.3% YoY
|
0.27%
+0.0% YoY
|
0.32%
+4.1% YoY
|
33% |
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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)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.