BlastPoint's Banking Scorecard
Security Bank, s.b.
Designations: ✓ Mutual
Springfield, IL
3 branches across IL
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 211 in IL.
- Deposits -7.5% year over year ($185.5M on the books).
- Delinquency rate 0.16%.
- Return on assets 0.68%.
- Efficiency ratio 76.10% vs a 64.48% peer average.
- Loan-to-deposit ratio 73.50% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Security Bank, s.b. has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.76% below tier average
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 1.5% in tier
- - ROA 0.64% below tier average
- - Net Interest Margin 0.15% below tier average
- - Efficiency Ratio 11.62% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$244.5M
+12.9% YoY
-2.8% QoQ
|
-$142.1M |
$386.6M
+1.2% YoY
|
$2.4B
+4.3% YoY
|
$6.3B
+7.7% YoY
|
35% |
| Total Loans ? |
$136.3M
+22.1% YoY
+5.8% QoQ
|
-$122.0M |
$258.3M
+1.7% YoY
|
$1.3B
+4.4% YoY
|
$3.2B
+9.4% YoY
|
31% |
| Total Deposits ? |
$185.5M
-7.5% YoY
-4.1% QoQ
|
-$141.3M |
$326.7M
+0.7% YoY
|
$1.9B
+3.7% YoY
|
$4.9B
+7.3% YoY
|
31% |
| Return on Assets ? |
0.68%
-1.4% YoY
+5.3% QoQ
|
-0.64% |
1.32%
+10.8% YoY
|
1.12%
+2.8% YoY
|
1.30%
+12.1% YoY
|
18% |
| Net Interest Margin ? |
3.83%
-1.1% YoY
+3.7% QoQ
|
-0.15% |
3.99%
+5.0% YoY
|
3.68%
+7.2% YoY
|
3.95%
+4.9% YoY
|
44% |
| Efficiency Ratio ? |
76.10%
-2.9% YoY
+0.8% QoQ
|
+11.62% |
64.48%
-3.2% YoY
|
63.11%
-4.5% YoY
|
70.05%
+2.5% YoY
|
19% |
| Delinquency Rate ? |
0.16%
-77.9% YoY
-6.7% QoQ
|
-0.76% |
0.92%
+15.7% YoY
|
1.19%
+6.2% YoY
|
0.98%
+16.3% YoY
|
69% |
| Loan-to-Deposit Ratio ? |
73.50%
+31.9% YoY
+10.3% QoQ
|
-4.45% |
77.95%
+1.0% YoY
|
72.86%
+0.7% YoY
|
79.03%
+2.3% YoY
|
63% |
| Non-Interest-Bearing Deposit Share ? |
29.24%
-20.3% YoY
-8.8% QoQ
|
+7.21% |
22.03%
-0.6% YoY
|
20.01%
-0.1% YoY
|
21.98%
-0.6% YoY
|
80% |
| Nonperforming Asset Ratio ? |
0.09%
-76.1% YoY
+1.5% QoQ
|
-0.58% |
0.67%
+16.4% YoY
|
0.81%
+6.3% YoY
|
0.69%
+15.8% YoY
|
73% |
| Tier 1 Capital Ratio ? |
18.26%
+11.7% YoY
-3.2% QoQ
|
+2.35% |
15.91%
+1.4% YoY
|
17.17%
+1.3% YoY
|
17.09%
+0.8% YoY
|
82% |
| Non-Interest Income / Assets ? |
0.39%
-9.6% YoY
+94.0% QoQ
|
-0.17% |
0.57%
+7.6% YoY
|
0.68%
+1.1% YoY
|
0.66%
+5.2% YoY
|
85% |
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 (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
29.2%
-7.5pp YoY -2.8pp QoQ |
+7.1pp | 22.1% | 20.1% | 22.2% | 80% |
| Brokered Deposits | n/a | n/a | 7.9% | 8.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
11.9%
+3.9pp YoY +3.0pp QoQ |
+0.3pp | 11.6% | 14.7% | 12.5% | 63% |
| CRE |
49.4%
-2.1pp YoY -3.6pp QoQ |
+9.8pp | 39.5% | 37.9% | 41.4% | 69% |
| 1-4 Family |
32.4%
+0.2pp YoY +1.2pp QoQ |
-0.2pp | 32.6% | 28.3% | 31.3% | 56% |
| Consumer |
2.2%
-1.3pp YoY -0.7pp QoQ |
-1.9pp | 4.1% | 5.4% | 5.0% | 50% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
18.3%
+1.9pp YoY -0.6pp QoQ |
-0.6pp | 18.8% | 19.9% | 19.7% | 71% |
| Leverage Ratio |
10.1%
+0.9pp YoY +0.3pp QoQ |
-2.1pp | 12.2% | 12.2% | 12.6% | 34% |
| Total Capital Ratio |
19.1%
+1.7pp YoY -0.6pp QoQ |
-0.8pp | 19.9% | 20.9% | 20.8% | 69% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
55
+2 (+3.8%) YoY +2 (+3.8%) QoQ |
-4 | 58 | 228 | 482 | 58% |
| Assets per Employee ($) |
$4.4M
+8.8% YoY -6.3% QoQ |
-$3.1M | $7.5M | $8.3M | $8.8M | 8% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 10 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.2%
-0.5pp YoY 0.0pp QoQ |
-0.8pp | 0.9% | 1.1% | 1.0% | 26% |
| Allowance Coverage |
5.32x
+276.7% YoY +5.4% QoQ |
-18.83x | 24.15x | 5.62x | 20.23x | 72% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.1% | 0.1% | 0.2% | 16% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
7.8%
-2.3pp YoY +0.2pp QoQ |
-4.4pp | 12.2% | 10.5% | 11.6% | 24% |
| Cost of Funds (YTD) |
1.5%
+0.4pp YoY 0.0pp QoQ |
-0.2pp | 1.7% | 1.6% | 1.7% | 37% |
| Net Income ($, YTD) |
$859,000
+14.4% YoY — QoQ |
-$1.7M | $2.6M | $11.7M | $40.4M | 22% |
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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.