BlastPoint's Banking Scorecard
Security Bank USA
Bemidji, MN
2 branches across MN
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 151 in MN.
- Deposits +4.2% year over year ($238.8M on the books).
- Delinquency rate 0.23%.
- Return on assets 1.84%.
- Efficiency ratio 62.52% vs a 64.48% peer average.
- Loan-to-deposit ratio 80.55% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Security Bank USA demonstrates 4 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 49.8% in tier
- + Net Interest Margin 0.55% above tier average
- + Efficiency Ratio 1.96% below tier average
- + Delinquency Rate 0.69% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$263.9M
+4.6% YoY
-4.3% QoQ
|
-$122.7M |
$386.6M
+1.2% YoY
|
$524.5M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
39% |
| Total Loans ? |
$192.4M
+8.0% YoY
+2.9% QoQ
|
-$66.0M |
$258.3M
+1.7% YoY
|
$300.2M
+7.3% YoY
|
$3.2B
+9.4% YoY
|
46% |
| Total Deposits ? |
$238.8M
+4.2% YoY
-4.4% QoQ
|
-$87.9M |
$326.7M
+0.7% YoY
|
$452.1M
+5.5% YoY
|
$4.9B
+7.3% YoY
|
43% |
| Return on Assets ? |
1.84%
+20.0% YoY
+2.6% QoQ
|
+0.52% |
1.32%
+10.8% YoY
|
1.26%
+17.2% YoY
|
1.30%
+12.1% YoY
|
82% |
| Net Interest Margin ? |
4.53%
+8.8% YoY
+2.5% QoQ
|
+0.55% |
3.99%
+5.0% YoY
|
4.00%
+6.8% YoY
|
3.95%
+4.9% YoY
|
81% |
| Efficiency Ratio ? |
62.52%
-6.2% YoY
+1.5% QoQ
|
-1.96% |
64.48%
-3.2% YoY
|
63.00%
-3.5% YoY
|
70.05%
+2.5% YoY
|
49% |
| Delinquency Rate ? |
0.23%
-80.7% YoY
-39.0% QoQ
|
-0.69% |
0.92%
+15.7% YoY
|
1.01%
+19.3% YoY
|
0.98%
+16.3% YoY
|
63% |
| Loan-to-Deposit Ratio ? |
80.55%
+3.7% YoY
+7.6% QoQ
|
+2.60% |
77.95%
+1.0% YoY
|
78.29%
-0.6% YoY
|
79.03%
+2.3% YoY
|
48% |
| Non-Interest-Bearing Deposit Share ? |
18.54%
+2.2% YoY
-1.2% QoQ
|
-3.49% |
22.03%
-0.6% YoY
|
21.79%
+0.9% YoY
|
21.98%
-0.6% YoY
|
38% |
| Nonperforming Asset Ratio ? |
0.17%
-80.1% YoY
-34.5% QoQ
|
-0.50% |
0.67%
+16.4% YoY
|
0.76%
+16.9% YoY
|
0.69%
+15.8% YoY
|
64% |
| Tier 1 Capital Ratio ? |
13.47%
-0.1% YoY
-6.8% QoQ
|
-2.44% |
15.91%
+1.4% YoY
|
15.35%
-0.4% YoY
|
17.09%
+0.8% YoY
|
53% |
| Non-Interest Income / Assets ? |
0.35%
+6.7% YoY
+135.0% QoQ
|
-0.22% |
0.57%
+7.6% YoY
|
0.31%
+3.9% YoY
|
0.66%
+5.2% YoY
|
79% |
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 (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
18.5%
+0.4pp YoY -0.2pp QoQ |
-3.6pp | 22.1% | 21.9% | 22.2% | 38% |
| Brokered Deposits | n/a | n/a | 7.9% | 8.3% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
16.5%
+1.8pp YoY +1.4pp QoQ |
+4.9pp | 11.6% | 14.6% | 12.5% | 80% |
| CRE |
34.5%
+1.4pp YoY +0.2pp QoQ |
-5.0pp | 39.5% | 36.5% | 41.4% | 42% |
| 1-4 Family |
39.3%
+1.0pp YoY -0.4pp QoQ |
+6.7pp | 32.6% | 29.4% | 31.3% | 69% |
| Consumer |
8.3%
-3.9pp YoY -1.5pp QoQ |
+4.2pp | 4.1% | 4.5% | 5.0% | 89% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
13.5%
0.0pp YoY -1.0pp QoQ |
-5.4pp | 18.8% | 16.5% | 19.7% | 34% |
| Leverage Ratio |
9.4%
-0.1pp YoY -0.4pp QoQ |
-2.8pp | 12.2% | 11.0% | 12.6% | 18% |
| Total Capital Ratio |
14.7%
0.0pp YoY -1.0pp QoQ |
-5.2pp | 19.9% | 17.6% | 20.8% | 35% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
50
+3 (+6.4%) YoY 0 QoQ |
-9 | 58 | 55 | 482 | 53% |
| Assets per Employee ($) |
$5.3M
-1.7% YoY -4.3% QoQ |
-$2.2M | $7.5M | $8.6M | $8.8M | 19% |
| Branch Count |
2
0 YoY 0 QoQ |
-3 | 4 | 4 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp YoY -0.1pp QoQ |
-0.3pp | 0.3% | 0.4% | 0.4% | 12% |
| Nonaccrual |
0.2%
-0.9pp YoY 0.0pp QoQ |
-0.7pp | 0.9% | 1.0% | 1.0% | 32% |
| Allowance Coverage |
5.73x
+386.5% YoY +56.6% QoQ |
-18.43x | 24.15x | 20.41x | 20.23x | 73% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY |
-0.1pp | 0.1% | 0.2% | 0.2% | 66% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
20.1%
+2.6pp YoY +0.5pp QoQ |
+7.9pp | 12.2% | 13.1% | 11.6% | 88% |
| Cost of Funds (YTD) |
1.6%
-0.1pp YoY +0.1pp QoQ |
-0.1pp | 1.7% | 1.7% | 1.7% | 42% |
| Net Income ($, YTD) |
$2.5M
+28.4% YoY — QoQ |
-$98K | $2.6M | $4.5M | $40.4M | 61% |
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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.