BlastPoint's Banking Scorecard

The Security State Bank

under $100M Specialty: Commercial GA FDIC cert 19680

Designations: ✓ Community bank

Mcrae, GA

541 banks in the under $100M peer group nationally 13 in GA

The Security State Bank shows strong momentum with 5 strengths and 12.8% 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

+ Net Interest Margin 1.72% above tier average
+ Non-Interest-Bearing Deposit Share 18.85% above tier average
+ ROA 1.13% above tier average
+ Efficiency Ratio 27.10% below tier average
+ Delinquency Rate 0.82% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Total Assets ?	$70.1M +12.8% YoY +3.4% QoQ	+$7.9M	$62.2M -0.6% YoY	$814.8M +10.0% YoY	$6.2B +9.1% YoY	56%
Total Loans ?	$36.2M -1.2% YoY -4.2% QoQ	+$2.0M	$34.2M -1.4% YoY	$550.6M +10.4% YoY	$3.2B +10.8% YoY	57%
Total Deposits ?	$61.0M +13.3% YoY +4.8% QoQ	+$9.3M	$51.7M -0.7% YoY	$689.3M +8.9% YoY	$4.8B +8.2% YoY	60%
Return on Assets ?	1.97% +3.5% YoY -6.5% QoQ	+1.13%	0.84% -2.3% YoY	1.50% +0.6% YoY	1.23% +13.4% YoY	Top 10.2% in tier
Net Interest Margin ?	5.58% -3.3% YoY -5.2% QoQ	+1.72%	3.86% +2.8% YoY	4.36% +2.3% YoY	3.89% +5.7% YoY	Top 4.4% in tier
Efficiency Ratio ?	61.24% -2.7% YoY +0.8% QoQ	-27.10%	88.34% +0.3% YoY	62.13% -1.5% YoY	66.95% -4.1% YoY	72%
Delinquency Rate ?	0.55% +6.5% QoQ	-0.82%	1.37% +33.8% YoY	0.81% +32.9% YoY	0.95% +18.8% YoY	46%
Loan-to-Deposit Ratio ?	59.30% -12.8% YoY -8.5% QoQ	-4.92%	64.22% -0.7% YoY	71.10% +2.8% YoY	76.70% +0.9% YoY	59%
Non-Interest-Bearing Deposit Share ?	42.57% -0.7% YoY -2.1% QoQ	+18.85%	23.71% +0.3% YoY	26.76% -3.7% YoY	22.01% -1.2% YoY	Top 7.2% in tier
Nonperforming Asset Ratio ?	0.29% -1.3% QoQ	-0.50%	0.79% +28.2% YoY	0.56% +24.4% YoY	0.67% +19.3% YoY	48%
Tier 1 Capital Ratio ?	22.80% +5.0% YoY -1.5% QoQ	-3.88%	26.68% +2.0% YoY	17.30% -0.8% YoY	17.06% +0.8% YoY	76%
Non-Interest Income / Assets ?	0.07% -11.3% YoY -79.3% QoQ	-0.59%	0.67% +1.9% YoY	0.21% +3.2% YoY	0.32% +4.1% YoY	58%

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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 (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).

Compare against:

Comparing against 541 peers in under $100M

Top Strengths (4 metrics)

Net Interest Margin

profitability

Value: 5.58%

Peer Median: 3.86%

#25 of 541 Top 4.4% in under $100M

Non-Interest-Bearing Deposit Share

funding

Value: 42.57%

Peer Median: 23.71%

#40 of 541 Top 7.2% in under $100M

Return on Assets

profitability

Value: 1.97%

Peer Median: 0.84%

#56 of 541 Top 10.2% in under $100M

133

Tier 1 Capital Ratio

capital

Value: 22.80%

Peer Median: 26.68%

#133 of 541 Top 24.4% in under $100M

Top Weaknesses (0 metrics)

No weakness rankings available