BlastPoint's Banking Scorecard

Security State Bank

$100M-$1B Specialty: Agricultural SD FDIC cert 16448

Alexandria, SD

3 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 24 in SD.
Deposits +2.5% year over year ($95.6M on the books).
Delinquency rate 3.77%.
Return on assets 0.49%.
Efficiency ratio 74.70% vs a 64.48% peer average.
Loan-to-deposit ratio 56.10% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 24 in SD

View $100M-$1B leaderboard (SD) →

Security State Bank faces 7 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 17.0% in tier
- Delinquency Rate 2.85% above tier average
- Nonperforming Asset Ratio 1.29% above tier average
- Non-Interest Income / Assets 0.52% below tier average
- ROA 0.83% below tier average
- Net Interest Margin 0.18% below tier average
- Efficiency Ratio 10.22% above tier average

Get updates when Security State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
Total Assets ?	$103.0M +1.4% YoY +3.2% QoQ	-$283.5M	$386.6M +1.2% YoY	$70.4B +8.4% YoY	$6.3B +7.7% YoY	Bottom 0.6% in tier
Total Loans ?	$53.6M -7.8% YoY +1.3% QoQ	-$204.7M	$258.3M +1.7% YoY	$31.5B +10.3% YoY	$3.2B +9.4% YoY	Bottom 3.5% in tier
Total Deposits ?	$95.6M +2.5% YoY +3.9% QoQ	-$231.1M	$326.7M +0.7% YoY	$56.5B +10.5% YoY	$4.9B +7.3% YoY	Bottom 4.4% in tier
Return on Assets ?	0.49% +126.3% YoY -48.5% QoQ	-0.83%	1.32% +10.8% YoY	1.40% +6.8% YoY	1.30% +12.1% YoY	Bottom 12.0% in tier
Net Interest Margin ?	3.81% -22.0% YoY -3.5% QoQ	-0.18%	3.99% +5.0% YoY	4.26% +1.1% YoY	3.95% +4.9% YoY	43%
Efficiency Ratio ?	74.70% +38.7% YoY +5.6% QoQ	+10.22%	64.48% -3.2% YoY	60.99% -4.4% YoY	70.05% +2.5% YoY	21%
Delinquency Rate ?	3.77% +455.2% QoQ	+2.85%	0.92% +15.7% YoY	0.78% +47.6% YoY	0.98% +16.3% YoY	Bottom 4.0% in tier
Loan-to-Deposit Ratio ?	56.10% -10.1% YoY -2.4% QoQ	-21.85%	77.95% +1.0% YoY	73.26% -0.6% YoY	79.03% +2.3% YoY	Top 13.5% in tier
Non-Interest-Bearing Deposit Share ?	26.14% +27.0% YoY +14.9% QoQ	+4.11%	22.03% -0.6% YoY	23.46% +3.2% YoY	21.98% -0.6% YoY	70%
Nonperforming Asset Ratio ?	1.96% +445.5% QoQ	+1.29%	0.67% +16.4% YoY	0.54% +39.8% YoY	0.69% +15.8% YoY	Bottom 7.6% in tier
Tier 1 Capital Ratio ?	13.55% +73.7% YoY +0.8% QoQ	-2.36%	15.91% +1.4% YoY	15.80% +1.0% YoY	17.09% +0.8% YoY	53%
Non-Interest Income / Assets ?	0.05% +25.7% YoY +97.8% QoQ	-0.52%	0.57% +7.6% YoY	0.54% -0.1% YoY	0.66% +5.2% YoY	Bottom 5.6% in tier

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	26.1% +5.6pp YoY +3.4pp QoQ	+4.0pp	22.1%	23.5%	22.2%	70%
Brokered Deposits	n/a	n/a	7.9%	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	10.0% -3.1pp YoY -4.1pp QoQ	-1.6pp	11.6%	14.1%	12.5%	53%
CRE	n/a	n/a	39.5%	31.5%	41.4%	n/a
1-4 Family	4.5% +2.2pp YoY +0.5pp QoQ	-28.1pp	32.6%	14.9%	31.3%	4%
Consumer	6.7% +1.7pp YoY -0.5pp QoQ	+2.6pp	4.1%	8.5%	5.0%	84%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
CET1 Ratio	13.6% +0.1pp QoQ	-5.3pp	18.8%	17.6%	19.7%	34%
Leverage Ratio	8.2% +0.4pp YoY -0.3pp QoQ	-3.9pp	12.2%	11.9%	12.6%	3%
Total Capital Ratio	14.5% +0.1pp QoQ	-5.4pp	19.9%	18.8%	20.8%	32%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
Full-Time Employees	16 +1 (+6.7%) YoY 0 QoQ	-43	58	6,279	482	5%
Assets per Employee ($)	$6.4M -4.9% YoY +3.2% QoQ	-$1.1M	$7.5M	$8.1M	$8.8M	41%
Branch Count	3 0 YoY 0 QoQ	-2	4	92	18	26%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.2%	0.4%	n/a
Nonaccrual	3.8% +3.1pp QoQ	+2.8pp	0.9%	1.0%	1.0%	96%
Allowance Coverage	0.31x -82.5% QoQ	-23.84x	24.15x	96.54x	20.23x	4%
Net Charge-off Rate (YTD)	1.2% -5.5pp YoY +0.3pp QoQ	+1.0pp	0.1%	0.7%	0.2%	98%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
ROE	7.0% +33.0pp YoY -6.4pp QoQ	-5.2pp	12.2%	12.4%	11.6%	21%
Cost of Funds (YTD)	1.7% -0.5pp YoY 0.0pp QoQ	0.0pp	1.7%	1.7%	1.7%	49%
Net Income ($, YTD)	$255,000 +126.5% YoY — QoQ	-$2.3M	$2.6M	$418.8M	$40.4M	6%

Get Full Access to Security State Bank

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

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 (0)

No matched strength signatures this quarter

Concerns (1)

Flatlined Growth

risk

#91 of 529 • Bottom 17.0% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 0.49%

(Tier: 1.32%, National: 1.30%)

worse than tier avg

529 of 529 Community banks match · 719 nationally

→ Stable +34 banks QoQ

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 2643 peers in $100M-$1B

Top Strengths (1 metrics)

357

Loan-to-Deposit Ratio

liquidity

Value: 56.10%

Peer Median: 77.95%

#357 of 2643 Top 13.5% in $100M-$1B

Top Weaknesses (8 metrics)

2628

Total Assets

size

Value: $103.04M

Peer Median: $386.57M

#2628 of 2643 Bottom 0.6% in $100M-$1B

2552

Total Loans

size

Value: $53.64M

Peer Median: $258.35M

#2552 of 2643 Bottom 3.5% in $100M-$1B

2529

Delinquency Rate

credit_quality

Value: 3.77%

Peer Median: 0.92%

#2529 of 2633 Bottom 4.0% in $100M-$1B

2529

Total Deposits

size

Value: $95.61M

Peer Median: $326.73M

#2529 of 2643 Bottom 4.4% in $100M-$1B

2496

Non-Interest Income / Assets

revenue_mix

Value: 0.05%

Peer Median: 0.57%

#2496 of 2643 Bottom 5.6% in $100M-$1B

2444

Nonperforming Asset Ratio

credit_quality

Value: 1.96%

Peer Median: 0.67%

#2444 of 2643 Bottom 7.6% in $100M-$1B

2326

Return on Assets

profitability

Value: 0.49%

Peer Median: 1.32%

#2326 of 2643 Bottom 12.0% in $100M-$1B

2093

Efficiency Ratio

profitability

Value: 74.70%

Peer Median: 64.48%

#2093 of 2643 Bottom 20.8% in $100M-$1B