BlastPoint's Banking Scorecard
Security State Bank of Aitkin
Aitkin, MN
4 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 +3.2% year over year ($106.7M on the books).
- Delinquency rate 2.28%.
- Return on assets 0.94%.
- Efficiency ratio 75.50% vs a 64.48% peer average.
- Loan-to-deposit ratio 52.51% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Security State Bank of Aitkin faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 37.2% in tier
- - ROA 0.38% below tier average
- - Efficiency Ratio 11.02% above tier average
- - Delinquency Rate 1.37% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$114.5M
+2.1% YoY
+4.2% QoQ
|
-$272.1M |
$386.6M
+1.2% YoY
|
$524.5M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
Bottom 3.9% in tier |
| Total Loans ? |
$56.0M
+13.9% YoY
+4.7% QoQ
|
-$202.3M |
$258.3M
+1.7% YoY
|
$300.2M
+7.3% YoY
|
$3.2B
+9.4% YoY
|
Bottom 4.0% in tier |
| Total Deposits ? |
$106.7M
+3.2% YoY
+4.4% QoQ
|
-$220.0M |
$326.7M
+0.7% YoY
|
$452.1M
+5.5% YoY
|
$4.9B
+7.3% YoY
|
Bottom 7.6% in tier |
| Return on Assets ? |
0.94%
-6.1% YoY
+10.5% QoQ
|
-0.38% |
1.32%
+10.8% YoY
|
1.26%
+17.2% YoY
|
1.30%
+12.1% YoY
|
31% |
| Net Interest Margin ? |
3.97%
-2.2% YoY
-0.3% QoQ
|
-0.01% |
3.99%
+5.0% YoY
|
4.00%
+6.8% YoY
|
3.95%
+4.9% YoY
|
52% |
| Efficiency Ratio ? |
75.50%
+1.5% YoY
-3.0% QoQ
|
+11.02% |
64.48%
-3.2% YoY
|
63.00%
-3.5% YoY
|
70.05%
+2.5% YoY
|
20% |
| Delinquency Rate ? |
2.28%
-4.1% QoQ
|
+1.37% |
0.92%
+15.7% YoY
|
1.01%
+19.3% YoY
|
0.98%
+16.3% YoY
|
Bottom 10.5% in tier |
| Loan-to-Deposit Ratio ? |
52.51%
+10.3% YoY
+0.3% QoQ
|
-25.45% |
77.95%
+1.0% YoY
|
78.29%
-0.6% YoY
|
79.03%
+2.3% YoY
|
Top 10.3% in tier |
| Non-Interest-Bearing Deposit Share ? |
33.91%
+2.6% YoY
+0.6% QoQ
|
+11.88% |
22.03%
-0.6% YoY
|
21.79%
+0.9% YoY
|
21.98%
-0.6% YoY
|
Top 10.9% in tier |
| Nonperforming Asset Ratio ? |
1.12%
+115.7% YoY
-3.7% QoQ
|
+0.45% |
0.67%
+16.4% YoY
|
0.76%
+16.9% YoY
|
0.69%
+15.8% YoY
|
18% |
| Tier 1 Capital Ratio ? |
10.79%
-12.8% YoY
-0.9% QoQ
|
-5.12% |
15.91%
+1.4% YoY
|
15.35%
-0.4% YoY
|
17.09%
+0.8% YoY
|
20% |
| Non-Interest Income / Assets ? |
0.09%
-5.0% YoY
+97.8% QoQ
|
-0.48% |
0.57%
+7.6% YoY
|
0.31%
+3.9% YoY
|
0.66%
+5.2% YoY
|
Bottom 14.6% in tier |
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 |
33.9%
+0.8pp YoY +0.2pp QoQ |
+11.8pp | 22.1% | 21.9% | 22.2% | 89% |
| 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 |
21.6%
-3.9pp YoY +0.5pp QoQ |
+10.1pp | 11.6% | 14.6% | 12.5% | 90% |
| CRE | n/a | n/a | 39.5% | 36.5% | 41.4% | n/a |
| 1-4 Family |
20.0%
-5.4pp YoY 0.0pp QoQ |
-12.7pp | 32.6% | 29.4% | 31.3% | 30% |
| Consumer |
3.3%
-2.2pp YoY -0.3pp QoQ |
-0.8pp | 4.1% | 4.5% | 5.0% | 64% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 16.5% | 19.7% | n/a |
| Leverage Ratio |
10.8%
-1.6pp YoY -0.1pp QoQ |
-1.4pp | 12.2% | 11.0% | 12.6% | 46% |
| Total Capital Ratio | n/a | n/a | 19.9% | 17.6% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
21
-1 (-4.5%) YoY +1 (+5.0%) QoQ |
-38 | 58 | 55 | 482 | 12% |
| Assets per Employee ($) |
$5.5M
+7.0% YoY -0.7% QoQ |
-$2.1M | $7.5M | $8.6M | $8.8M | 22% |
| Branch Count |
4
0 YoY 0 QoQ |
-1 | 4 | 4 | 18 | 42% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual |
2.3%
-0.1pp QoQ |
+1.3pp | 0.9% | 1.0% | 1.0% | 90% |
| Allowance Coverage |
0.85x
-0.4% QoQ |
-23.30x | 24.15x | 20.41x | 20.23x | 22% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.2% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
16.6%
-0.6pp YoY +1.8pp QoQ |
+4.4pp | 12.2% | 13.1% | 11.6% | 76% |
| Cost of Funds (YTD) |
1.1%
-0.1pp YoY 0.0pp QoQ |
-0.6pp | 1.7% | 1.7% | 1.7% | 14% |
| Net Income ($, YTD) |
$529,000
-5.0% YoY — QoQ |
-$2.0M | $2.6M | $4.5M | $40.4M | 12% |
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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 (0)
Concerns (1)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.