BlastPoint's Banking Scorecard
Security Bank USA
Bemidji, MN
2 branches across MN
Security Bank USA shows strong momentum with 4 strengths and 10.8% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 31.8% in tier
- + Net Interest Margin 0.49% above tier average
- + Efficiency Ratio 3.70% below tier average
- + Delinquency Rate 0.51% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$275.6M
+10.8% YoY
+5.4% QoQ
|
-$110.4M |
$386.1M
+0.5% YoY
|
$512.9M
+5.5% YoY
|
$6.2B
+9.1% YoY
|
41% |
| Total Loans ? |
$187.0M
+8.4% YoY
+3.1% QoQ
|
-$68.7M |
$255.7M
+1.1% YoY
|
$288.3M
+6.9% YoY
|
$3.2B
+10.8% YoY
|
46% |
| Total Deposits ? |
$249.9M
+10.9% YoY
+5.7% QoQ
|
-$78.1M |
$328.0M
+0.1% YoY
|
$443.8M
+5.0% YoY
|
$4.8B
+8.2% YoY
|
44% |
| Return on Assets ? |
1.85%
+39.0% YoY
+20.1% QoQ
|
+0.58% |
1.27%
+12.9% YoY
|
1.13%
+10.7% YoY
|
1.23%
+13.4% YoY
|
83% |
| Net Interest Margin ? |
4.42%
+10.2% YoY
+0.2% QoQ
|
+0.49% |
3.93%
+6.0% YoY
|
3.93%
+7.5% YoY
|
3.89%
+5.7% YoY
|
79% |
| Efficiency Ratio ? |
61.59%
-10.7% YoY
-8.8% QoQ
|
-3.70% |
65.29%
-4.5% YoY
|
64.77%
-3.3% YoY
|
66.95%
-4.1% YoY
|
55% |
| Delinquency Rate ? |
0.37%
-68.9% YoY
-21.4% QoQ
|
-0.51% |
0.89%
+18.8% YoY
|
1.04%
+28.9% YoY
|
0.95%
+18.8% YoY
|
52% |
| Loan-to-Deposit Ratio ? |
74.83%
-2.3% YoY
-2.4% QoQ
|
-1.81% |
76.64%
+0.8% YoY
|
76.69%
-0.4% YoY
|
76.70%
+0.9% YoY
|
58% |
| Non-Interest-Bearing Deposit Share ? |
18.77%
+7.4% YoY
-3.9% QoQ
|
-3.25% |
22.02%
-1.0% YoY
|
21.87%
-0.9% YoY
|
22.01%
-1.2% YoY
|
39% |
| Nonperforming Asset Ratio ? |
0.25%
-70.4% YoY
-23.1% QoQ
|
-0.39% |
0.64%
+19.7% YoY
|
0.77%
+27.1% YoY
|
0.67%
+19.3% YoY
|
55% |
| Tier 1 Capital Ratio ? |
14.46%
+5.7% YoY
+2.7% QoQ
|
-1.37% |
15.83%
+1.5% YoY
|
15.37%
+0.7% YoY
|
17.06%
+0.8% YoY
|
62% |
| Non-Interest Income / Assets ? |
0.15%
+22.5% YoY
-77.5% QoQ
|
-0.13% |
0.28%
+9.3% YoY
|
0.16%
+5.0% YoY
|
0.32%
+4.1% YoY
|
73% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.