BlastPoint's Banking Scorecard

Security State Bank

$100M-$1B Specialty: Agricultural IA FDIC cert 15839

Algona, IA

4 branches across IA

2664 banks in the $100M-$1B peer group nationally 166 in IA

Security State Bank has 3 strengths but faces 6 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 32.9% in tier
+ Net Interest Margin 0.99% above tier average
+ Efficiency Ratio 23.15% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 7.2% in tier
- Deposit Outflow: Bottom 19.0% in tier
- Liquidity Strain: Bottom 24.9% in tier
- Capital Constraint: Bottom 82.4% in tier
- Delinquency Rate 1.68% above tier average
- Nonperforming Asset Ratio 1.14% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Total Assets ?	$114.8M -2.7% YoY +1.4% QoQ	-$271.3M	$386.1M +0.5% YoY	$560.1M +4.8% YoY	$6.2B +9.1% YoY	Bottom 4.5% in tier
Total Loans ?	$79.8M +3.5% YoY +2.0% QoQ	-$176.0M	$255.7M +1.1% YoY	$379.9M +5.0% YoY	$3.2B +10.8% YoY	Bottom 11.1% in tier
Total Deposits ?	$85.0M -6.3% YoY +1.0% QoQ	-$243.0M	$328.0M +0.1% YoY	$469.6M +4.4% YoY	$4.8B +8.2% YoY	Bottom 1.4% in tier
Return on Assets ?	2.17% +17.1% YoY +6.8% QoQ	+0.90%	1.27% +12.9% YoY	1.31% +22.6% YoY	1.23% +13.4% YoY	Top 9.1% in tier
Net Interest Margin ?	4.92% +15.7% YoY +8.1% QoQ	+0.99%	3.93% +6.0% YoY	3.52% +10.3% YoY	3.89% +5.7% YoY	Top 8.7% in tier
Efficiency Ratio ?	42.14% -5.2% YoY -0.7% QoQ	-23.15%	65.29% -4.5% YoY	58.40% -7.6% YoY	66.95% -4.1% YoY	Top 5.9% in tier
Delinquency Rate ?	2.56% -50.7% YoY -0.9% QoQ	+1.68%	0.89% +18.8% YoY	0.92% +14.5% YoY	0.95% +18.8% YoY	Bottom 7.8% in tier
Loan-to-Deposit Ratio ?	93.85% +10.4% YoY +0.9% QoQ	+17.21%	76.64% +0.8% YoY	77.40% +1.1% YoY	76.70% +0.9% YoY	17%
Non-Interest-Bearing Deposit Share ?	22.36% -0.7% YoY -12.4% QoQ	+0.34%	22.02% -1.0% YoY	17.87% +0.7% YoY	22.01% -1.2% YoY	56%
Nonperforming Asset Ratio ?	1.78% -47.6% YoY -0.4% QoQ	+1.14%	0.64% +19.7% YoY	0.58% +11.7% YoY	0.67% +19.3% YoY	Bottom 8.4% in tier
Tier 1 Capital Ratio ?	26.01% -14.8% YoY -19.2% QoQ	+10.18%	15.83% +1.5% YoY	14.34% +1.8% YoY	17.06% +0.8% YoY	Top 5.6% in tier
Non-Interest Income / Assets ?	0.04% +5.0% YoY -76.4% QoQ	-0.24%	0.28% +9.3% YoY	0.12% +10.7% YoY	0.32% +4.1% YoY	Bottom 13.9% in tier

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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 (1)

Profitability Leader

growth

#220 of 666 • Top 32.9% in tier

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

Why this signature

Return on Assets: 2.17%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Concerns (4)

Liquidity Overhang

risk

#54 of 739 • Bottom 7.2% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 26.01%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 93.85%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank declining

Deposit Outflow

decline

#97 of 506 • Bottom 19.0% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

506 of 506 Community banks match · 656 nationally

→ Stable -8 banks QoQ | QoQ rank declining

Liquidity Strain

risk

#161 of 643 • Bottom 24.9% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 93.85%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

Capital Constraint

risk

#90 of 108 • Bottom 82.4% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature

Loan-to-Deposit Ratio: 93.85%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

Tier 1 Capital Ratio: 26.01%

(Tier: 15.83%, National: 17.06%)

better than tier avg

108 of 108 Community banks match · 148 nationally

↑ Growing +19 banks QoQ | QoQ rank declining

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 2664 peers in $100M-$1B

Top Strengths (4 metrics)

149

Tier 1 Capital Ratio

capital

Value: 26.01%

Peer Median: 15.83%

#149 of 2664 Top 5.6% in $100M-$1B

158

Efficiency Ratio

profitability

Value: 42.14%

Peer Median: 65.29%

#158 of 2664 Top 5.9% in $100M-$1B

232

Net Interest Margin

profitability

Value: 4.92%

Peer Median: 3.93%

#232 of 2664 Top 8.7% in $100M-$1B

243

Return on Assets

profitability

Value: 2.17%

Peer Median: 1.27%

#243 of 2664 Top 9.1% in $100M-$1B

Top Weaknesses (7 metrics)

2628

Total Deposits

size

Value: $84.98M

Peer Median: $327.97M

#2628 of 2664 Bottom 1.4% in $100M-$1B

2546

Total Assets

size

Value: $114.75M

Peer Median: $386.08M

#2546 of 2664 Bottom 4.5% in $100M-$1B

2447

Delinquency Rate

credit_quality

Value: 2.56%

Peer Median: 0.89%

#2447 of 2654 Bottom 7.8% in $100M-$1B

2441

Nonperforming Asset Ratio

credit_quality

Value: 1.78%

Peer Median: 0.64%

#2441 of 2664 Bottom 8.4% in $100M-$1B

2369

Total Loans

size

Value: $79.76M

Peer Median: $255.72M

#2369 of 2664 Bottom 11.1% in $100M-$1B

2295

Non-Interest Income / Assets

revenue_mix

Value: 0.04%

Peer Median: 0.28%

#2295 of 2664 Bottom 13.9% in $100M-$1B

2218

Loan-to-Deposit Ratio

liquidity

Value: 93.85%

Peer Median: 76.64%

#2218 of 2664 Bottom 16.8% in $100M-$1B