BlastPoint's Banking Scorecard
The Security State Bank
Designations: ✓ Community bank
Emery, SD
2 branches across SD
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 14 in SD.
- Deposits +4.2% year over year ($52.2M on the books).
- Delinquency rate 0.00%.
- Return on assets 1.99%.
- Efficiency ratio 36.30% vs a 119.40% peer average.
- Loan-to-deposit ratio 32.11% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Security State Bank has 5 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 83.09% below tier average
- + Delinquency Rate 1.48% below tier average
- + Nonperforming Asset Ratio 0.84% below tier average
- + ROA 0.99% above tier average
- + Net Interest Margin 0.41% above tier average
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 1.37% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$64.8M
+5.4% YoY
+4.9% QoQ
|
+$2.3M |
$62.4M
-0.0% YoY
|
$70.4B
+8.4% YoY
|
$6.3B
+7.7% YoY
|
50% |
| Total Loans ? |
$16.8M
-8.0% YoY
-10.2% QoQ
|
-$18.1M |
$34.9M
-0.6% YoY
|
$31.5B
+10.3% YoY
|
$3.2B
+9.4% YoY
|
21% |
| Total Deposits ? |
$52.2M
+4.2% YoY
+5.4% QoQ
|
+$549K |
$51.6M
-0.2% YoY
|
$56.5B
+10.5% YoY
|
$4.9B
+7.3% YoY
|
49% |
| Return on Assets ? |
1.99%
-13.1% YoY
-1.9% QoQ
|
+0.99% |
1.00%
+3.5% YoY
|
1.40%
+6.8% YoY
|
1.30%
+12.1% YoY
|
Top 11.4% in tier |
| Net Interest Margin ? |
4.32%
-7.3% YoY
-2.0% QoQ
|
+0.41% |
3.91%
+2.3% YoY
|
4.26%
+1.1% YoY
|
3.95%
+4.9% YoY
|
67% |
| Efficiency Ratio ? |
36.30%
+14.4% YoY
-0.5% QoQ
|
-83.09% |
119.40%
+49.6% YoY
|
60.99%
-4.4% YoY
|
70.05%
+2.5% YoY
|
Top 2.1% in tier |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-1.48% |
1.48%
+31.8% YoY
|
0.78%
+47.6% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
32.11%
-11.7% YoY
-14.9% QoQ
|
-42.10% |
74.21%
+12.6% YoY
|
73.26%
-0.6% YoY
|
79.03%
+2.3% YoY
|
Top 10.4% in tier |
| Non-Interest-Bearing Deposit Share ? |
29.83%
+1.6% YoY
-5.7% QoQ
|
+6.34% |
23.49%
+0.6% YoY
|
23.46%
+3.2% YoY
|
21.98%
-0.6% YoY
|
74% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-0.84% |
0.84%
+23.0% YoY
|
0.54%
+39.8% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
43.35%
+13.5% YoY
+5.6% QoQ
|
+16.23% |
27.13%
+3.0% YoY
|
15.80%
+1.0% YoY
|
17.09%
+0.8% YoY
|
Top 9.3% in tier |
| Non-Interest Income / Assets ? |
0.01%
-5.1% YoY
+122.5% QoQ
|
-1.37% |
1.38%
+6.3% YoY
|
0.54%
-0.1% YoY
|
0.66%
+5.2% YoY
|
Bottom 4.1% in tier |
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 (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
29.8%
+0.5pp YoY -1.8pp QoQ |
+5.2pp | 24.6% | 23.5% | 22.2% | 72% |
| Brokered Deposits | n/a | n/a | 9.8% | 8.7% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
22.5%
+0.7pp YoY -0.4pp QoQ |
+9.1pp | 13.4% | 14.1% | 12.5% | 83% |
| CRE | n/a | n/a | 25.2% | 31.5% | 41.4% | n/a |
| 1-4 Family | n/a | n/a | 35.0% | 14.9% | 31.3% | n/a |
| Consumer |
7.1%
-1.0pp YoY +0.5pp QoQ |
-0.6pp | 7.7% | 8.5% | 5.0% | 64% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
43.4%
+5.1pp YoY +2.3pp QoQ |
+4.7pp | 38.7% | 17.6% | 19.7% | 84% |
| Leverage Ratio |
19.5%
+1.0pp YoY 0.0pp QoQ |
+1.8pp | 17.7% | 11.9% | 12.6% | 84% |
| Total Capital Ratio |
44.0%
+5.2pp YoY +2.3pp QoQ |
+4.3pp | 39.7% | 18.8% | 20.8% | 84% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
7
0 YoY 0 QoQ |
-5 | 12 | 6,279 | 482 | 20% |
| Assets per Employee ($) |
$9.3M
+5.4% YoY +4.9% QoQ |
+$3.1M | $6.2M | $8.1M | $8.8M | 90% |
| Branch Count |
2
0 YoY 0 QoQ |
+0 | 1 | 92 | 18 | 63% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.2% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 1.7% | 1.0% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 6.41x | 96.54x | 20.23x | n/a |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.7% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
10.4%
-2.3pp YoY -0.1pp QoQ |
+4.0pp | 6.4% | 12.4% | 11.6% | 65% |
| Cost of Funds (YTD) |
0.9%
0.0pp YoY 0.0pp QoQ |
-0.5pp | 1.4% | 1.7% | 1.7% | 23% |
| Net Income ($, YTD) |
$623,000
-8.4% YoY — QoQ |
+$305K | $317,817 | $418.8M | $40.4M | 84% |
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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.