BlastPoint's Banking Scorecard
Security State Bank
Algona, IA
4 branches across IA
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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 167 in IA.
- Deposits -11.5% year over year ($79.7M on the books).
- Delinquency rate 2.19%.
- Return on assets 2.28%.
- Efficiency ratio 41.35% vs a 64.48% peer average.
- Loan-to-deposit ratio 103.44% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Security State Bank has 3 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 22.5% in tier
- + Net Interest Margin 1.08% above tier average
- + Efficiency Ratio 23.13% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 3.6% in tier
- - Deposit Outflow: Bottom 48.8% in tier
- - Capital Constraint: Bottom 89.7% in tier
- - Delinquency Rate 1.27% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$109.8M
-6.8% YoY
-4.3% QoQ
|
-$276.7M |
$386.6M
+1.2% YoY
|
$566.2M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
Bottom 2.7% in tier |
| Total Loans ? |
$82.4M
+6.2% YoY
+3.3% QoQ
|
-$175.9M |
$258.3M
+1.7% YoY
|
$385.0M
+5.4% YoY
|
$3.2B
+9.4% YoY
|
Bottom 11.7% in tier |
| Total Deposits ? |
$79.7M
-11.5% YoY
-6.3% QoQ
|
-$247.1M |
$326.7M
+0.7% YoY
|
$472.4M
+6.3% YoY
|
$4.9B
+7.3% YoY
|
Bottom 1.0% in tier |
| Return on Assets ? |
2.28%
+18.2% YoY
+4.8% QoQ
|
+0.95% |
1.32%
+10.8% YoY
|
1.58%
+39.1% YoY
|
1.30%
+12.1% YoY
|
Top 7.4% in tier |
| Net Interest Margin ? |
5.07%
+16.5% YoY
+3.2% QoQ
|
+1.08% |
3.99%
+5.0% YoY
|
3.58%
+9.0% YoY
|
3.95%
+4.9% YoY
|
Top 7.2% in tier |
| Efficiency Ratio ? |
41.35%
-2.3% YoY
-1.9% QoQ
|
-23.13% |
64.48%
-3.2% YoY
|
57.74%
-6.0% YoY
|
70.05%
+2.5% YoY
|
Top 5.2% in tier |
| Delinquency Rate ? |
2.19%
-64.4% YoY
-14.5% QoQ
|
+1.27% |
0.92%
+15.7% YoY
|
0.99%
+12.8% YoY
|
0.98%
+16.3% YoY
|
Bottom 11.1% in tier |
| Loan-to-Deposit Ratio ? |
103.44%
+20.1% YoY
+10.2% QoQ
|
+25.48% |
77.95%
+1.0% YoY
|
80.39%
+2.7% YoY
|
79.03%
+2.3% YoY
|
Bottom 6.7% in tier |
| Non-Interest-Bearing Deposit Share ? |
25.25%
+10.0% YoY
+12.9% QoQ
|
+3.22% |
22.03%
-0.6% YoY
|
17.72%
+0.8% YoY
|
21.98%
-0.6% YoY
|
67% |
| Nonperforming Asset Ratio ? |
1.65%
-59.5% YoY
-7.7% QoQ
|
+0.98% |
0.67%
+16.4% YoY
|
0.63%
+7.9% YoY
|
0.69%
+15.8% YoY
|
Bottom 10.4% in tier |
| Tier 1 Capital Ratio ? |
27.26%
-12.5% YoY
+4.8% QoQ
|
+11.35% |
15.91%
+1.4% YoY
|
14.69%
+3.0% YoY
|
17.09%
+0.8% YoY
|
Top 5.3% in tier |
| Non-Interest Income / Assets ? |
0.09%
+6.2% YoY
+120.3% QoQ
|
-0.48% |
0.57%
+7.6% YoY
|
0.24%
+5.5% YoY
|
0.66%
+5.2% YoY
|
15% |
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 (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
25.3%
+2.3pp YoY +2.9pp QoQ |
+3.1pp | 22.1% | 17.8% | 22.2% | 66% |
| Brokered Deposits | n/a | n/a | 7.9% | 6.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
19.7%
+2.4pp YoY +1.9pp QoQ |
+8.1pp | 11.6% | 12.8% | 12.5% | 87% |
| CRE | n/a | n/a | 39.5% | 28.3% | 41.4% | n/a |
| 1-4 Family |
3.5%
-0.3pp YoY -0.1pp QoQ |
-29.1pp | 32.6% | 23.0% | 31.3% | 3% |
| Consumer |
0.8%
-0.4pp YoY -0.1pp QoQ |
-3.3pp | 4.1% | 2.9% | 5.0% | 24% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 15.4% | 19.7% | n/a |
| Leverage Ratio |
27.3%
+3.5pp YoY +1.2pp QoQ |
+15.1pp | 12.2% | 12.4% | 12.6% | 99% |
| Total Capital Ratio | n/a | n/a | 19.9% | 16.5% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
13
0 YoY 0 QoQ |
-46 | 58 | 64 | 482 | 2% |
| Assets per Employee ($) |
$8.4M
-6.8% YoY -4.3% QoQ |
+$931K | $7.5M | $8.9M | $8.8M | 74% |
| Branch Count |
4
0 YoY 0 QoQ |
-1 | 4 | 5 | 18 | 42% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
1.1%
-3.9pp YoY -0.3pp QoQ |
+0.8pp | 0.3% | 0.4% | 0.4% | 92% |
| Nonaccrual |
1.1%
-0.1pp YoY 0.0pp QoQ |
+0.1pp | 0.9% | 1.0% | 1.0% | 73% |
| Allowance Coverage |
1.02x
+164.6% YoY +13.2% QoQ |
-23.13x | 24.15x | 18.97x | 20.23x | 27% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
8.7%
+0.2pp YoY +0.2pp QoQ |
-3.5pp | 12.2% | 12.8% | 11.6% | 29% |
| Cost of Funds (YTD) |
1.1%
-0.3pp YoY 0.0pp QoQ |
-0.6pp | 1.7% | 1.8% | 1.7% | 13% |
| Net Income ($, YTD) |
$1.3M
+11.8% YoY — QoQ |
-$1.3M | $2.6M | $4.0M | $40.4M | 35% |
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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)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (3)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Capital Constraint
riskStrong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.