BlastPoint's Banking Scorecard
The Security State Bank
Designations: ✓ Community bank
Mcrae, GA
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 536 banks in the under $100M peer group nationwide — 1 of 13 in GA.
- Deposits +11.2% year over year ($61.0M on the books).
- Delinquency rate 0.61%.
- Return on assets 1.92%.
- Efficiency ratio 61.73% vs a 119.40% peer average.
- Loan-to-deposit ratio 52.89% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Security State Bank shows strong momentum with 5 strengths and 10.8% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.57% above tier average
- + Non-Interest-Bearing Deposit Share 19.02% above tier average
- + ROA 0.92% above tier average
- + Efficiency Ratio 57.67% below tier average
- + Delinquency Rate 0.87% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$70.5M
+10.8% YoY
+0.5% QoQ
|
+$8.0M |
$62.4M
-0.0% YoY
|
$843.5M
+13.2% YoY
|
$6.3B
+7.7% YoY
|
58% |
| Total Loans ? |
$32.3M
-9.9% YoY
-10.8% QoQ
|
-$2.6M |
$34.9M
-0.6% YoY
|
$581.6M
+14.3% YoY
|
$3.2B
+9.4% YoY
|
48% |
| Total Deposits ? |
$61.0M
+11.2% YoY
-0.0% QoQ
|
+$9.4M |
$51.6M
-0.2% YoY
|
$711.6M
+12.3% YoY
|
$4.9B
+7.3% YoY
|
61% |
| Return on Assets ? |
1.92%
-7.6% YoY
-2.5% QoQ
|
+0.92% |
1.00%
+3.5% YoY
|
1.55%
+0.3% YoY
|
1.30%
+12.1% YoY
|
Top 13.1% in tier |
| Net Interest Margin ? |
5.49%
-7.1% YoY
-1.6% QoQ
|
+1.57% |
3.91%
+2.3% YoY
|
4.42%
+1.2% YoY
|
3.95%
+4.9% YoY
|
Top 5.4% in tier |
| Efficiency Ratio ? |
61.73%
+1.5% YoY
+0.8% QoQ
|
-57.67% |
119.40%
+49.6% YoY
|
63.07%
+1.6% YoY
|
70.05%
+2.5% YoY
|
70% |
| Delinquency Rate ? |
0.61%
+9.9% QoQ
|
-0.87% |
1.48%
+31.8% YoY
|
0.77%
+14.9% YoY
|
0.98%
+16.3% YoY
|
46% |
| Loan-to-Deposit Ratio ? |
52.89%
-19.0% YoY
-10.8% QoQ
|
-21.32% |
74.21%
+12.6% YoY
|
78.13%
+10.7% YoY
|
79.03%
+2.3% YoY
|
67% |
| Non-Interest-Bearing Deposit Share ? |
42.51%
-1.2% YoY
-0.1% QoQ
|
+19.02% |
23.49%
+0.6% YoY
|
26.00%
-3.3% YoY
|
21.98%
-0.6% YoY
|
Top 6.9% in tier |
| Nonperforming Asset Ratio ? |
0.28%
-2.5% QoQ
|
-0.56% |
0.84%
+23.0% YoY
|
0.54%
+11.1% YoY
|
0.69%
+15.8% YoY
|
50% |
| Tier 1 Capital Ratio ? |
25.53%
+11.3% YoY
+12.0% QoQ
|
-1.59% |
27.13%
+3.0% YoY
|
19.50%
+7.6% YoY
|
17.09%
+0.8% YoY
|
79% |
| Non-Interest Income / Assets ? |
0.16%
+1.0% YoY
+116.2% QoQ
|
-1.22% |
1.38%
+6.3% YoY
|
0.44%
+3.6% YoY
|
0.66%
+5.2% YoY
|
60% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
42.5%
-0.5pp YoY -0.1pp QoQ |
+17.9pp | 24.6% | 26.2% | 22.2% | 93% |
| Brokered Deposits | n/a | n/a | 9.8% | 7.5% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
12.5%
-5.1pp YoY +0.2pp QoQ |
-0.9pp | 13.4% | 9.7% | 12.5% | 60% |
| CRE |
50.0%
+5.5pp YoY -2.1pp QoQ |
+24.8pp | 25.2% | 48.9% | 41.4% | 92% |
| 1-4 Family |
19.8%
+4.3pp YoY +3.5pp QoQ |
-15.2pp | 35.0% | 31.7% | 31.3% | 36% |
| Consumer |
4.8%
+0.3pp YoY +0.1pp QoQ |
-2.8pp | 7.7% | 4.8% | 5.0% | 48% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
25.5%
+2.6pp YoY +2.7pp QoQ |
-13.2pp | 38.7% | 20.9% | 19.7% | 64% |
| Leverage Ratio |
14.1%
-0.6pp YoY +0.1pp QoQ |
-3.6pp | 17.7% | 14.0% | 12.6% | 63% |
| Total Capital Ratio |
26.8%
+2.6pp YoY +2.7pp QoQ |
-12.9pp | 39.7% | 22.1% | 20.8% | 64% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
12
0 YoY 0 QoQ |
-0 | 12 | 98 | 482 | 56% |
| Assets per Employee ($) |
$5.9M
+10.8% YoY +0.5% QoQ |
-$316K | $6.2M | $7.5M | $8.8M | 48% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 6 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.1% | 0.4% | n/a |
| Nonaccrual |
0.6%
+0.6pp YoY +0.1pp QoQ |
-1.1pp | 1.7% | 0.8% | 1.0% | 46% |
| Allowance Coverage |
4.26x
-96.0% YoY +3.3% QoQ |
-2.15x | 6.41x | 38.10x | 20.23x | 77% |
| Net Charge-off Rate (YTD) |
0.1%
+0.1pp YoY +0.1pp QoQ |
-0.1pp | 0.2% | 0.1% | 0.2% | 69% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
14.5%
-1.3pp YoY -0.3pp QoQ |
+8.1pp | 6.4% | 13.6% | 11.6% | 83% |
| Cost of Funds (YTD) |
1.0%
-0.1pp YoY 0.0pp QoQ |
-0.4pp | 1.4% | 1.6% | 1.7% | 26% |
| Net Income ($, YTD) |
$666,000
+0.8% YoY — QoQ |
+$348K | $317,817 | $6.6M | $40.4M | 86% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.