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Security State Bank of Wanamingo

$100M-$1B Specialty: Agricultural MN FDIC cert 18378

Wanamingo, 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 +10.2% year over year ($96.7M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 2.21%.
  • Efficiency ratio 45.51% vs a 64.48% peer average.
  • Loan-to-deposit ratio 97.20% 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 151 in MN
View $100M-$1B leaderboard (MN) →

Security State Bank of Wanamingo shows strong momentum with 5 strengths and 10.5% YoY asset growth

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

  • + Profitability Leader: Top 23.6% in tier
  • + Efficiency Ratio 18.97% below tier average
  • + Delinquency Rate 0.92% below tier average
  • + Nonperforming Asset Ratio 0.67% below tier average
  • + Net Interest Margin 0.26% above tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when Security State Bank of Wanamingo releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Total Assets ? $112.7M
+10.5% YoY -0.3% QoQ
-$273.9M $386.6M
+1.2% YoY
$524.5M
+5.8% YoY
$6.3B
+7.7% YoY
Bottom 3.4% in tier
Total Loans ? $94.0M
+10.1% YoY -2.9% QoQ
-$164.3M $258.3M
+1.7% YoY
$300.2M
+7.3% YoY
$3.2B
+9.4% YoY
16%
Total Deposits ? $96.7M
+10.2% YoY -1.2% QoQ
-$230.0M $326.7M
+0.7% YoY
$452.1M
+5.5% YoY
$4.9B
+7.3% YoY
Bottom 4.7% in tier
Return on Assets ? 2.21%
+19.9% YoY -7.1% QoQ
+0.89% 1.32%
+10.8% YoY
1.26%
+17.2% YoY
1.30%
+12.1% YoY
Top 8.7% in tier
Net Interest Margin ? 4.24%
+3.9% YoY +1.7% QoQ
+0.26% 3.99%
+5.0% YoY
4.00%
+6.8% YoY
3.95%
+4.9% YoY
67%
Efficiency Ratio ? 45.51%
-10.1% YoY +3.9% QoQ
-18.97% 64.48%
-3.2% YoY
63.00%
-3.5% YoY
70.05%
+2.5% YoY
Top 9.6% in tier
Delinquency Rate ? 0.00%
-100.0% YoY -100.0% QoQ
-0.92% 0.92%
+15.7% YoY
1.01%
+19.3% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 97.20%
-0.1% YoY -1.8% QoQ
+19.25% 77.95%
+1.0% YoY
78.29%
-0.6% YoY
79.03%
+2.3% YoY
Bottom 13.4% in tier
Non-Interest-Bearing Deposit Share ? 18.52%
-12.8% YoY -10.9% QoQ
-3.51% 22.03%
-0.6% YoY
21.79%
+0.9% YoY
21.98%
-0.6% YoY
38%
Nonperforming Asset Ratio ? 0.00%
-100.0% YoY -100.0% QoQ
-0.67% 0.67%
+16.4% YoY
0.76%
+16.9% YoY
0.69%
+15.8% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 11.37%
-1.0% YoY +2.2% QoQ
-4.54% 15.91%
+1.4% YoY
15.35%
-0.4% YoY
17.09%
+0.8% YoY
28%
Non-Interest Income / Assets ? 0.12%
+4.3% YoY +106.8% QoQ
-0.45% 0.57%
+7.6% YoY
0.31%
+3.9% YoY
0.66%
+5.2% YoY
26%

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%
-2.7pp YoY
-2.3pp QoQ
 -3.6pp 22.1% 21.9% 22.2% 38%
Brokered Deposits 6.6%
-1.4pp YoY
-0.2pp QoQ
 -1.2pp 7.9% 8.3% 8.5% 62%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
C&I 8.5%
-4.0pp YoY
-1.6pp QoQ
 -3.1pp 11.6% 14.6% 12.5% 44%
CRE 26.6%
+1.8pp YoY
+1.3pp QoQ
 -13.0pp 39.5% 36.5% 41.4% 29%
1-4 Family 14.0%
+4.5pp YoY
+2.0pp QoQ
 -18.6pp 32.6% 29.4% 31.3% 18%
Consumer 0.9%
-0.1pp YoY
-0.2pp QoQ
 -3.3pp 4.1% 4.5% 5.0% 25%

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 11.4%
-0.1pp YoY
+0.2pp QoQ
 -0.8pp 12.2% 11.0% 12.6% 56%
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 12
0 YoY
0 QoQ
 -47 58 55 482 2%
Assets per Employee ($) $9.4M
+10.5% YoY
-0.3% QoQ
 +$1.9M $7.5M $8.6M $8.8M 82%
Branch Count 1
0 YoY
0 QoQ
 -4 4 4 18 0%

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 n/a n/a 0.9% 1.0% 1.0% n/a
Allowance Coverage n/a n/a 24.15x 20.41x 20.23x n/a
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.2% 0.2% 37%

Profitability

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
ROE 19.9%
+3.5pp YoY
-1.8pp QoQ
 +7.7pp 12.2% 13.1% 11.6% 88%
Cost of Funds (YTD) 2.1%
0.0pp YoY
0.0pp QoQ
 +0.4pp 1.7% 1.7% 1.7% 76%
Net Income ($, YTD) $1.2M
+36.0% YoY
— QoQ
 -$1.3M $2.6M $4.5M $40.4M 34%

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 (1)

Profitability Leader

growth
#157 of 661 • Top 23.6% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 2.21%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Concerns (0)

No matched concern signatures this quarter

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#1 of 2633 Top 0.1% in $100M-$1B
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#1 of 2643 Top 0.1% in $100M-$1B
230
Return on Assets
profitability
Value: 2.21%
Peer Median: 1.32%
#230 of 2643 Top 8.7% in $100M-$1B
255
Efficiency Ratio
profitability
Value: 45.51%
Peer Median: 64.48%
#255 of 2643 Top 9.6% in $100M-$1B

Top Weaknesses (4 metrics)

2555
Total Assets
size
Value: $112.72M
Peer Median: $386.57M
#2555 of 2643 Bottom 3.4% in $100M-$1B
2519
Total Deposits
size
Value: $96.73M
Peer Median: $326.73M
#2519 of 2643 Bottom 4.7% in $100M-$1B
2290
Loan-to-Deposit Ratio
liquidity
Value: 97.20%
Peer Median: 77.95%
#2290 of 2643 Bottom 13.4% in $100M-$1B
2212
Total Loans
size
Value: $94.02M
Peer Median: $258.35M
#2212 of 2643 Bottom 16.3% in $100M-$1B
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