BlastPoint's Banking Scorecard

Security State Bank of Aitkin

$100M-$1B Specialty: Commercial MN FDIC cert 16656

Aitkin, MN

4 branches across MN

2664 banks in the $100M-$1B peer group nationally 152 in MN

Security State Bank of Aitkin has 1 strength but faces 5 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

+ Net Interest Margin 0.05% above tier average

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 7.5% in tier
- Capital Thin: Bottom 18.9% in tier
- Flatlined Growth: Bottom 21.1% in tier
- Delinquency Rate 1.50% above tier average
- Efficiency Ratio 12.56% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Total Assets ?	$109.8M -0.8% YoY -2.5% QoQ	-$276.3M	$386.1M +0.5% YoY	$512.9M +5.5% YoY	$6.2B +9.1% YoY	Bottom 2.7% in tier
Total Loans ?	$53.5M +8.4% YoY +1.6% QoQ	-$202.2M	$255.7M +1.1% YoY	$288.3M +6.9% YoY	$3.2B +10.8% YoY	Bottom 3.6% in tier
Total Deposits ?	$102.2M -0.3% YoY -2.2% QoQ	-$225.8M	$328.0M +0.1% YoY	$443.8M +5.0% YoY	$4.8B +8.2% YoY	Bottom 6.4% in tier
Return on Assets ?	0.85% -22.5% YoY -14.7% QoQ	-0.42%	1.27% +12.9% YoY	1.13% +10.7% YoY	1.23% +13.4% YoY	29%
Net Interest Margin ?	3.98% -2.2% YoY -1.9% QoQ	+0.05%	3.93% +6.0% YoY	3.93% +7.5% YoY	3.89% +5.7% YoY	56%
Efficiency Ratio ?	77.85% +8.1% YoY +4.4% QoQ	+12.56%	65.29% -4.5% YoY	64.77% -3.3% YoY	66.95% -4.1% YoY	18%
Delinquency Rate ?	2.38% -7.2% QoQ	+1.50%	0.89% +18.8% YoY	1.04% +28.9% YoY	0.95% +18.8% YoY	Bottom 9.1% in tier
Loan-to-Deposit Ratio ?	52.36% +8.7% YoY +3.9% QoQ	-24.28%	76.64% +0.8% YoY	76.69% -0.4% YoY	76.70% +0.9% YoY	Top 11.3% in tier
Non-Interest-Bearing Deposit Share ?	33.70% +3.8% YoY +1.9% QoQ	+11.68%	22.02% -1.0% YoY	21.87% -0.9% YoY	22.01% -1.2% YoY	Top 11.5% in tier
Nonperforming Asset Ratio ?	1.16% +121.2% YoY -30.8% QoQ	+0.52%	0.64% +19.7% YoY	0.77% +27.1% YoY	0.67% +19.3% YoY	16%
Tier 1 Capital Ratio ?	10.88% -14.5% YoY +1.8% QoQ	-4.95%	15.83% +1.5% YoY	15.37% +0.7% YoY	17.06% +0.8% YoY	22%
Non-Interest Income / Assets ?	0.04% -5.1% YoY -77.5% QoQ	-0.24%	0.28% +9.3% YoY	0.16% +5.0% YoY	0.32% +4.1% YoY	16%

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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 (0)

No matched strength signatures this quarter

Concerns (3)

Margin Compression

decline

#24 of 305 • Bottom 7.5% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 0.85%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

305 of 305 Community banks match · 407 nationally

↑ Growing +94 banks QoQ

Capital Thin

risk

#127 of 666 • Bottom 18.9% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 10.88%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Flatlined Growth

risk

#109 of 512 • Bottom 21.1% 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: 0.85%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

512 of 512 Community banks match · 687 nationally

→ Stable +32 banks QoQ | QoQ rank improving

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 (2 metrics)

303

Loan-to-Deposit Ratio

liquidity

Value: 52.36%

Peer Median: 76.64%

#303 of 2664 Top 11.3% in $100M-$1B

307

Non-Interest-Bearing Deposit Share

funding

Value: 33.70%

Peer Median: 22.02%

#307 of 2664 Top 11.5% in $100M-$1B

Top Weaknesses (8 metrics)

2592

Total Assets

size

Value: $109.81M

Peer Median: $386.08M

#2592 of 2664 Bottom 2.7% in $100M-$1B

2568

Total Loans

size

Value: $53.49M

Peer Median: $255.72M

#2568 of 2664 Bottom 3.6% in $100M-$1B

2495

Total Deposits

size

Value: $102.17M

Peer Median: $327.97M

#2495 of 2664 Bottom 6.4% in $100M-$1B

2413

Delinquency Rate

credit_quality

Value: 2.38%

Peer Median: 0.89%

#2413 of 2654 Bottom 9.1% in $100M-$1B

2227

Non-Interest Income / Assets

revenue_mix

Value: 0.04%

Peer Median: 0.28%

#2227 of 2664 Bottom 16.4% in $100M-$1B

2227

Nonperforming Asset Ratio

credit_quality

Value: 1.16%

Peer Median: 0.64%

#2227 of 2664 Bottom 16.4% in $100M-$1B

2179

Efficiency Ratio

profitability

Value: 77.85%

Peer Median: 65.29%

#2179 of 2664 Bottom 18.2% in $100M-$1B

2088

Tier 1 Capital Ratio

capital

Value: 10.88%

Peer Median: 15.83%

#2088 of 2664 Bottom 21.7% in $100M-$1B