BlastPoint's Banking Scorecard
The Security State Bank
Designations: ✓ Community bank
Mcrae, GA
The Security State Bank shows strong momentum with 5 strengths and 12.8% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.71% above tier average
- + Non-Interest-Bearing Deposit Share 18.78% above tier average
- + ROA 1.11% above tier average
- + Efficiency Ratio 26.39% below tier average
- + Delinquency Rate 0.81% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
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
|
+$7.8M |
$62.3M
-0.5% YoY
|
$814.8M
+10.0% YoY
|
$6.2B
+9.0% YoY
|
56% |
| Total Loans ? |
$36.2M
-1.2% YoY
-4.2% QoQ
|
+$1.9M |
$34.3M
-1.5% YoY
|
$550.6M
+10.4% YoY
|
$3.2B
+10.7% YoY
|
57% |
| Total Deposits ? |
$61.0M
+13.3% YoY
+4.8% QoQ
|
+$9.2M |
$51.8M
-0.6% YoY
|
$689.3M
+8.9% YoY
|
$4.8B
+8.0% YoY
|
60% |
| Return on Assets ? |
1.97%
+3.5% YoY
-6.5% QoQ
|
+1.11% |
0.86%
-3.6% YoY
|
1.50%
+0.6% YoY
|
1.24%
+13.1% YoY
|
Top 10.2% in tier |
| Net Interest Margin ? |
5.58%
-3.3% YoY
-5.2% QoQ
|
+1.71% |
3.87%
+2.7% YoY
|
4.36%
+2.3% YoY
|
3.89%
+5.7% YoY
|
Top 4.5% in tier |
| Efficiency Ratio ? |
61.24%
-2.7% YoY
+0.8% QoQ
|
-26.39% |
87.63%
+2.3% YoY
|
62.13%
-1.5% YoY
|
66.84%
-3.8% YoY
|
72% |
| Delinquency Rate ? |
0.55%
+6.5% QoQ
|
-0.81% |
1.36%
+33.7% YoY
|
0.81%
+32.9% YoY
|
0.95%
+18.8% YoY
|
46% |
| Loan-to-Deposit Ratio ? |
59.30%
-12.8% YoY
-8.5% QoQ
|
-4.81% |
64.11%
-0.9% YoY
|
71.10%
+2.8% YoY
|
76.69%
+0.9% YoY
|
59% |
| Non-Interest-Bearing Deposit Share ? |
42.57%
-0.7% YoY
-2.1% QoQ
|
+18.78% |
23.79%
+0.5% YoY
|
26.76%
-3.7% YoY
|
22.01%
-1.1% YoY
|
Top 7.3% in tier |
| Nonperforming Asset Ratio ? |
0.29%
-1.3% QoQ
|
-0.49% |
0.77%
+28.7% YoY
|
0.56%
+24.4% YoY
|
0.66%
+19.3% YoY
|
48% |
| Tier 1 Capital Ratio ? |
22.80%
+5.0% YoY
-1.5% QoQ
|
-3.97% |
26.77%
+2.0% YoY
|
17.30%
-0.8% YoY
|
17.06%
+0.8% YoY
|
75% |
| Non-Interest Income / Assets ? |
0.07%
-11.3% YoY
-79.3% QoQ
|
-0.60% |
0.67%
+1.6% YoY
|
0.21%
+3.2% YoY
|
0.32%
+4.0% YoY
|
58% |
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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.