BlastPoint's Banking Scorecard
Security State Bank
Designations: ✓ Community bank
Scott City, KS
5 branches across KS
Security State Bank has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 14.71% below tier average
- + Delinquency Rate 0.60% below tier average
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 9.5% in tier
- - Liquidity Strain: Bottom 35.0% in tier
- - Capital Constraint: Bottom 64.9% in tier
- - Net Interest Margin 0.25% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.0B
+2.9% YoY
+0.9% QoQ
|
-$1.8B |
$2.8B
-0.1% YoY
|
$509.2M
+7.2% YoY
|
$6.2B
+9.1% YoY
|
Bottom 0.7% in tier |
| Total Loans ? |
$751.8M
+1.0% YoY
-0.7% QoQ
|
-$1.2B |
$2.0B
+0.6% YoY
|
$338.5M
+8.8% YoY
|
$3.2B
+10.8% YoY
|
Bottom 10.5% in tier |
| Total Deposits ? |
$739.2M
-4.9% YoY
-7.4% QoQ
|
-$1.6B |
$2.3B
-0.3% YoY
|
$424.4M
+7.3% YoY
|
$4.8B
+8.2% YoY
|
Bottom 1.1% in tier |
| Return on Assets ? |
1.39%
+41.3% YoY
+12.8% QoQ
|
+0.02% |
1.37%
+19.6% YoY
|
1.40%
+19.8% YoY
|
1.23%
+13.4% YoY
|
63% |
| Net Interest Margin ? |
3.56%
+10.5% YoY
+5.1% QoQ
|
-0.25% |
3.82%
+6.9% YoY
|
3.92%
+4.5% YoY
|
3.89%
+5.7% YoY
|
44% |
| Efficiency Ratio ? |
46.35%
-7.1% YoY
-1.2% QoQ
|
-14.71% |
61.06%
-4.6% YoY
|
62.29%
-5.0% YoY
|
66.95%
-4.1% YoY
|
Top 13.2% in tier |
| Delinquency Rate ? |
0.28%
+752.8% YoY
+3.3% QoQ
|
-0.60% |
0.89%
+14.1% YoY
|
0.77%
+10.4% YoY
|
0.95%
+18.8% YoY
|
72% |
| Loan-to-Deposit Ratio ? |
101.71%
+6.2% YoY
+7.3% QoQ
|
+17.50% |
84.20%
+0.3% YoY
|
71.79%
+1.2% YoY
|
76.70%
+0.9% YoY
|
Bottom 10.4% in tier |
| Non-Interest-Bearing Deposit Share ? |
12.44%
+15.2% YoY
+3.6% QoQ
|
-8.85% |
21.29%
-2.5% YoY
|
22.83%
-2.0% YoY
|
22.01%
-1.2% YoY
|
18% |
| Nonperforming Asset Ratio ? |
0.25%
+902.8% YoY
-1.5% QoQ
|
-0.42% |
0.67%
+15.6% YoY
|
0.51%
+12.5% YoY
|
0.67%
+19.3% YoY
|
69% |
| Tier 1 Capital Ratio ? |
11.94%
+0.4% YoY
+3.7% QoQ
|
-3.22% |
15.16%
+2.0% YoY
|
17.98%
-0.9% YoY
|
17.06%
+0.8% YoY
|
30% |
| Non-Interest Income / Assets ? |
0.08%
+0.2% YoY
-75.1% QoQ
|
-0.18% |
0.26%
+1.6% YoY
|
0.28%
-1.8% YoY
|
0.32%
+4.1% YoY
|
22% |
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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 (3)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Capital Constraint
riskStrong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.