BlastPoint's Banking Scorecard

Security State Bank

$100M-$1B Specialty: Agricultural IA FDIC cert 235

Sutherland, IA

5 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 +9.6% year over year ($337.3M on the books).
Delinquency rate 0.23%.
Return on assets 2.63%.
Efficiency ratio 28.16% vs a 64.48% peer average.
Loan-to-deposit ratio 132.01% 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 4 strengths but faces 2 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

+ Profitability Leader: Top 24.4% in tier
+ Efficiency Ratio 36.32% below tier average
+ Net Interest Margin 0.23% above tier average
+ Delinquency Rate 0.68% below tier average

Key Concerns

Areas that may need attention

- Loan-to-Deposit Ratio 54.06% above tier average
- Non-Interest Income / Assets 0.53% 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 ?	$492.3M +7.7% YoY +1.4% QoQ	+$105.7M	$386.6M +1.2% YoY	$566.2M +5.8% YoY	$6.3B +7.7% YoY	71%
Total Loans ?	$445.3M +6.4% YoY +1.3% QoQ	+$186.9M	$258.3M +1.7% YoY	$385.0M +5.4% YoY	$3.2B +9.4% YoY	83%
Total Deposits ?	$337.3M +9.6% YoY +0.0% QoQ	+$10.6M	$326.7M +0.7% YoY	$472.4M +6.3% YoY	$4.9B +7.3% YoY	61%
Return on Assets ?	2.63% +9.4% YoY -0.2% QoQ	+1.31%	1.32% +10.8% YoY	1.58% +39.1% YoY	1.30% +12.1% YoY	Top 3.5% in tier
Net Interest Margin ?	4.22% +7.5% YoY +0.8% QoQ	+0.23%	3.99% +5.0% YoY	3.58% +9.0% YoY	3.95% +4.9% YoY	66%
Efficiency Ratio ?	28.16% -4.2% YoY -1.7% QoQ	-36.32%	64.48% -3.2% YoY	57.74% -6.0% YoY	70.05% +2.5% YoY	Top 0.6% in tier
Delinquency Rate ?	0.23% -4.6% YoY -14.9% QoQ	-0.68%	0.92% +15.7% YoY	0.99% +12.8% YoY	0.98% +16.3% YoY	63%
Loan-to-Deposit Ratio ?	132.01% -2.9% YoY +1.3% QoQ	+54.06%	77.95% +1.0% YoY	80.39% +2.7% YoY	79.03% +2.3% YoY	Bottom 0.5% in tier
Non-Interest-Bearing Deposit Share ?	14.47% +2.2% YoY -0.7% QoQ	-7.56%	22.03% -0.6% YoY	17.72% +0.8% YoY	21.98% -0.6% YoY	22%
Nonperforming Asset Ratio ?	0.34% +51.8% YoY +6.1% QoQ	-0.33%	0.67% +16.4% YoY	0.63% +7.9% YoY	0.69% +15.8% YoY	49%
Tier 1 Capital Ratio ?	11.12% +7.9% YoY +2.6% QoQ	-4.78%	15.91% +1.4% YoY	14.69% +3.0% YoY	17.09% +0.8% YoY	25%
Non-Interest Income / Assets ?	0.04% +0.9% YoY +87.9% QoQ	-0.53%	0.57% +7.6% YoY	0.24% +5.5% YoY	0.66% +5.2% YoY	Bottom 4.3% 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	14.5% +0.3pp YoY -0.1pp QoQ	-7.7pp	22.1%	17.8%	22.2%	22%
Brokered Deposits	9.8% +1.6pp YoY -1.3pp QoQ	+2.0pp	7.9%	6.0%	8.5%	75%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
C&I	15.4% +0.4pp YoY +1.2pp QoQ	+3.8pp	11.6%	12.8%	12.5%	77%
CRE	n/a	n/a	39.5%	28.3%	41.4%	n/a
1-4 Family	14.8% +0.2pp YoY +0.1pp QoQ	-17.8pp	32.6%	23.0%	31.3%	19%
Consumer	2.5% -0.3pp YoY 0.0pp QoQ	-1.6pp	4.1%	2.9%	5.0%	54%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	15.4%	19.7%	n/a
Leverage Ratio	11.1% +0.8pp YoY +0.3pp QoQ	-1.0pp	12.2%	12.4%	12.6%	52%
Total Capital Ratio	n/a	n/a	19.9%	16.5%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Full-Time Employees	34 0 YoY 0 QoQ	-25	58	64	482	33%
Assets per Employee ($)	$14.5M +7.7% YoY +1.4% QoQ	+$7.0M	$7.5M	$8.9M	$8.8M	96%
Branch Count	5 0 YoY 0 QoQ	0	4	5	18	55%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Past Due 90+ Days	0.1% +0.1pp YoY 0.0pp QoQ	-0.2pp	0.3%	0.4%	0.4%	56%
Nonaccrual	0.1% -0.1pp YoY 0.0pp QoQ	-0.8pp	0.9%	1.0%	1.0%	20%
Allowance Coverage	4.99x +16.6% YoY +23.0% QoQ	-19.17x	24.15x	18.97x	20.23x	70%
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	24.2% +0.2pp YoY -0.3pp QoQ	+12.0pp	12.2%	12.8%	11.6%	95%
Cost of Funds (YTD)	2.5% -0.3pp YoY 0.0pp QoQ	+0.8pp	1.7%	1.8%	1.7%	90%
Net Income ($, YTD)	$6.4M +18.3% YoY — QoQ	+$3.8M	$2.6M	$4.0M	$40.4M	93%

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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 (1)

Profitability Leader

growth

#162 of 661 • Top 24.4% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.63%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable

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 2643 peers in $100M-$1B

Top Strengths (3 metrics)

Efficiency Ratio

profitability

Value: 28.16%

Peer Median: 64.48%

#17 of 2643 Top 0.6% in $100M-$1B

Return on Assets

profitability

Value: 2.63%

Peer Median: 1.32%

#93 of 2643 Top 3.5% in $100M-$1B

440

Total Loans

size

Value: $445.26M

Peer Median: $258.35M

#440 of 2643 Top 16.6% in $100M-$1B

Top Weaknesses (4 metrics)

2630

Loan-to-Deposit Ratio

liquidity

Value: 132.01%

Peer Median: 77.95%

#2630 of 2643 Bottom 0.5% in $100M-$1B

2531

Non-Interest Income / Assets

revenue_mix

Value: 0.04%

Peer Median: 0.57%

#2531 of 2643 Bottom 4.3% in $100M-$1B

2062

Non-Interest-Bearing Deposit Share

funding

Value: 14.47%

Peer Median: 22.03%

#2062 of 2643 Bottom 22.0% in $100M-$1B

1989

Tier 1 Capital Ratio

capital

Value: 11.12%

Peer Median: 15.91%

#1989 of 2643 Bottom 24.8% in $100M-$1B