BlastPoint's Banking Scorecard
Security State Bank
Radcliffe, IA
4 branches across IA
Security State Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 0.16% below tier average
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 19.4% in tier
- - Net Interest Margin 1.12% below tier average
- - ROA 0.37% below tier average
- - Delinquency Rate 1.06% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$120.8M
-7.0% YoY
+6.2% QoQ
|
-$265.2M |
$386.1M
+0.5% YoY
|
$560.1M
+4.8% YoY
|
$6.2B
+9.1% YoY
|
Bottom 6.1% in tier |
| Total Loans ? |
$55.3M
+9.3% YoY
-4.0% QoQ
|
-$200.4M |
$255.7M
+1.1% YoY
|
$379.9M
+5.0% YoY
|
$3.2B
+10.8% YoY
|
Bottom 3.9% in tier |
| Total Deposits ? |
$111.0M
-8.2% YoY
+7.2% QoQ
|
-$217.0M |
$328.0M
+0.1% YoY
|
$469.6M
+4.4% YoY
|
$4.8B
+8.2% YoY
|
Bottom 9.0% in tier |
| Return on Assets ? |
0.90%
+432.4% YoY
+29.4% QoQ
|
-0.37% |
1.27%
+12.9% YoY
|
1.31%
+22.6% YoY
|
1.23%
+13.4% YoY
|
31% |
| Net Interest Margin ? |
2.81%
+24.5% YoY
+7.7% QoQ
|
-1.12% |
3.93%
+6.0% YoY
|
3.52%
+10.3% YoY
|
3.89%
+5.7% YoY
|
Bottom 7.1% in tier |
| Efficiency Ratio ? |
65.13%
-31.2% YoY
-8.1% QoQ
|
-0.16% |
65.29%
-4.5% YoY
|
58.40%
-7.6% YoY
|
66.95%
-4.1% YoY
|
44% |
| Delinquency Rate ? |
1.95%
-6.8% YoY
+32.2% QoQ
|
+1.06% |
0.89%
+18.8% YoY
|
0.92%
+14.5% YoY
|
0.95%
+18.8% YoY
|
Bottom 13.1% in tier |
| Loan-to-Deposit Ratio ? |
49.86%
+19.0% YoY
-10.5% QoQ
|
-26.78% |
76.64%
+0.8% YoY
|
77.40%
+1.1% YoY
|
76.70%
+0.9% YoY
|
Top 9.3% in tier |
| Non-Interest-Bearing Deposit Share ? |
18.50%
-0.6% YoY
-2.1% QoQ
|
-3.52% |
22.02%
-1.0% YoY
|
17.87%
+0.7% YoY
|
22.01%
-1.2% YoY
|
38% |
| Nonperforming Asset Ratio ? |
0.89%
+9.5% YoY
+19.4% QoQ
|
+0.25% |
0.64%
+19.7% YoY
|
0.58%
+11.7% YoY
|
0.67%
+19.3% YoY
|
23% |
| Tier 1 Capital Ratio ? |
14.15%
-1.3% YoY
+2.4% QoQ
|
-1.68% |
15.83%
+1.5% YoY
|
14.34%
+1.8% YoY
|
17.06%
+0.8% YoY
|
58% |
| Non-Interest Income / Assets ? |
0.04%
+58.2% YoY
-76.6% QoQ
|
-0.24% |
0.28%
+9.3% YoY
|
0.12%
+10.7% YoY
|
0.32%
+4.1% YoY
|
Bottom 14.7% in tier |
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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)
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.