BlastPoint's Banking Scorecard

Security State Bank

$100M-$1B Specialty: Agricultural IA FDIC cert 18448

Radcliffe, IA

4 branches across IA

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 167 in IA.
Deposits -3.7% year over year ($109.0M on the books).
Delinquency rate 2.92%.
Return on assets 1.07%.
Efficiency ratio 64.12% vs a 64.48% peer average.
Loan-to-deposit ratio 49.40% 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 167 in IA

View $100M-$1B leaderboard (IA) →

Security State Bank has 1 strength but faces 3 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

+ Efficiency Ratio 0.36% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 27.2% in tier
- Net Interest Margin 1.08% below tier average
- ROA 0.25% below 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 (IA)	National Avg	Tier Percentile
Total Assets ?	$119.0M -3.1% YoY -1.5% QoQ	-$267.5M	$386.6M +1.2% YoY	$566.2M +5.8% YoY	$6.3B +7.7% YoY	Bottom 5.3% in tier
Total Loans ?	$53.8M +3.0% YoY -2.7% QoQ	-$204.5M	$258.3M +1.7% YoY	$385.0M +5.4% YoY	$3.2B +9.4% YoY	Bottom 3.5% in tier
Total Deposits ?	$109.0M -3.7% YoY -1.8% QoQ	-$217.7M	$326.7M +0.7% YoY	$472.4M +6.3% YoY	$4.9B +7.3% YoY	Bottom 8.3% in tier
Return on Assets ?	1.07% +91.3% YoY +19.6% QoQ	-0.25%	1.32% +10.8% YoY	1.58% +39.1% YoY	1.30% +12.1% YoY	39%
Net Interest Margin ?	2.91% +21.6% YoY +3.5% QoQ	-1.08%	3.99% +5.0% YoY	3.58% +9.0% YoY	3.95% +4.9% YoY	Bottom 7.9% in tier
Efficiency Ratio ?	64.12% -16.5% YoY -1.5% QoQ	-0.36%	64.48% -3.2% YoY	57.74% -6.0% YoY	70.05% +2.5% YoY	45%
Delinquency Rate ?	2.92% +15.7% YoY +49.8% QoQ	+2.00%	0.92% +15.7% YoY	0.99% +12.8% YoY	0.98% +16.3% YoY	Bottom 6.5% in tier
Loan-to-Deposit Ratio ?	49.40% +7.0% YoY -0.9% QoQ	-28.55%	77.95% +1.0% YoY	80.39% +2.7% YoY	79.03% +2.3% YoY	Top 8.0% in tier
Non-Interest-Bearing Deposit Share ?	19.45% +11.1% YoY +5.1% QoQ	-2.58%	22.03% -0.6% YoY	17.72% +0.8% YoY	21.98% -0.6% YoY	43%
Nonperforming Asset Ratio ?	1.32% +22.9% YoY +48.0% QoQ	+0.65%	0.67% +16.4% YoY	0.63% +7.9% YoY	0.69% +15.8% YoY	Bottom 14.6% in tier
Tier 1 Capital Ratio ?	14.51% -2.1% YoY +2.5% QoQ	-1.40%	15.91% +1.4% YoY	14.69% +3.0% YoY	17.09% +0.8% YoY	62%
Non-Interest Income / Assets ?	0.08% +8.6% YoY +101.0% QoQ	-0.48%	0.57% +7.6% YoY	0.24% +5.5% YoY	0.66% +5.2% YoY	Bottom 13.9% 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 (IA)	National Avg	Tier Percentile
Noninterest-Bearing	19.5% +1.9pp YoY +1.0pp QoQ	-2.7pp	22.1%	17.8%	22.2%	43%
Brokered Deposits	n/a	n/a	7.9%	6.0%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
C&I	23.3% -1.5pp YoY 0.0pp QoQ	+11.7pp	11.6%	12.8%	12.5%	92%
CRE	13.9% +2.2pp YoY +0.5pp QoQ	-25.7pp	39.5%	28.3%	41.4%	9%
1-4 Family	20.7% -0.8pp YoY +0.6pp QoQ	-11.9pp	32.6%	23.0%	31.3%	31%
Consumer	15.0% -0.2pp YoY +0.4pp QoQ	+10.9pp	4.1%	2.9%	5.0%	96%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
CET1 Ratio	14.5% -0.3pp YoY +0.4pp QoQ	-4.3pp	18.8%	15.4%	19.7%	44%
Leverage Ratio	8.3% +0.3pp YoY +0.1pp QoQ	-3.9pp	12.2%	12.4%	12.6%	4%
Total Capital Ratio	15.4% -0.4pp YoY +0.4pp QoQ	-4.6pp	19.9%	16.5%	20.8%	41%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Full-Time Employees	19 0 YoY 0 QoQ	-40	58	64	482	9%
Assets per Employee ($)	$6.3M -3.1% YoY -1.5% QoQ	-$1.3M	$7.5M	$8.9M	$8.8M	38%
Branch Count	4 0 YoY 0 QoQ	-1	4	5	18	42%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Past Due 90+ Days	1.5% 0.0pp YoY +0.9pp QoQ	+1.2pp	0.3%	0.4%	0.4%	95%
Nonaccrual	1.4% +0.4pp YoY +0.1pp QoQ	+0.5pp	0.9%	1.0%	1.0%	81%
Allowance Coverage	0.37x -21.9% YoY -31.4% QoQ	-23.78x	24.15x	18.97x	20.23x	5%
Net Charge-off Rate (YTD)	n/a	n/a	0.1%	0.1%	0.2%	n/a

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
ROE	13.0% +5.3pp YoY +2.2pp QoQ	+0.8pp	12.2%	12.8%	11.6%	56%
Cost of Funds (YTD)	1.8% -0.4pp YoY 0.0pp QoQ	+0.1pp	1.7%	1.8%	1.7%	60%
Net Income ($, YTD)	$632,000 +85.3% YoY — QoQ	-$1.9M	$2.6M	$4.0M	$40.4M	14%

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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 (1)

Credit Risk Growth

risk

#256 of 936 • Bottom 27.2% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally

→ Stable -58 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)

213

Loan-to-Deposit Ratio

liquidity

Value: 49.40%

Peer Median: 77.95%

#213 of 2643 Top 8.0% in $100M-$1B

Top Weaknesses (7 metrics)

2551

Total Loans

size

Value: $53.85M

Peer Median: $258.35M

#2551 of 2643 Bottom 3.5% in $100M-$1B

2504

Total Assets

size

Value: $119.05M

Peer Median: $386.57M

#2504 of 2643 Bottom 5.3% in $100M-$1B

2463

Delinquency Rate

credit_quality

Value: 2.92%

Peer Median: 0.92%

#2463 of 2633 Bottom 6.5% in $100M-$1B

2435

Net Interest Margin

profitability

Value: 2.91%

Peer Median: 3.99%

#2435 of 2643 Bottom 7.9% in $100M-$1B

2425

Total Deposits

size

Value: $109.01M

Peer Median: $326.73M

#2425 of 2643 Bottom 8.3% in $100M-$1B

2277

Non-Interest Income / Assets

revenue_mix

Value: 0.08%

Peer Median: 0.57%

#2277 of 2643 Bottom 13.9% in $100M-$1B

2258

Nonperforming Asset Ratio

credit_quality

Value: 1.32%

Peer Median: 0.67%

#2258 of 2643 Bottom 14.6% in $100M-$1B