BlastPoint's Banking Scorecard
Security Bank, s.b.
Designations: ✓ Mutual
Springfield, IL
3 branches across IL
Security Bank, s.b. has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.72% below tier average
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 3.4% in tier
- - ROA 0.62% below tier average
- - Net Interest Margin 0.24% below tier average
- - Efficiency Ratio 10.21% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$251.5M
+15.5% YoY
-2.0% QoQ
|
-$134.6M |
$386.1M
+0.5% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
37% |
| Total Loans ? |
$128.9M
+16.5% YoY
+9.4% QoQ
|
-$126.8M |
$255.7M
+1.1% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
29% |
| Total Deposits ? |
$193.5M
-4.2% YoY
-2.0% QoQ
|
-$134.5M |
$328.0M
+0.1% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
33% |
| Return on Assets ? |
0.65%
-14.5% YoY
+329.5% QoQ
|
-0.62% |
1.27%
+12.9% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
19% |
| Net Interest Margin ? |
3.70%
-5.6% YoY
-3.9% QoQ
|
-0.24% |
3.93%
+6.0% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
40% |
| Efficiency Ratio ? |
75.50%
-1.2% YoY
-16.6% QoQ
|
+10.21% |
65.29%
-4.5% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
22% |
| Delinquency Rate ? |
0.17%
-78.1% YoY
-36.0% QoQ
|
-0.72% |
0.89%
+18.8% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
67% |
| Loan-to-Deposit Ratio ? |
66.63%
+21.6% YoY
+11.7% QoQ
|
-10.01% |
76.64%
+0.8% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
73% |
| Non-Interest-Bearing Deposit Share ? |
32.05%
-12.8% YoY
-8.7% QoQ
|
+10.03% |
22.02%
-1.0% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
Top 13.8% in tier |
| Nonperforming Asset Ratio ? |
0.09%
-78.1% YoY
-28.5% QoQ
|
-0.55% |
0.64%
+19.7% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
72% |
| Tier 1 Capital Ratio ? |
18.86%
+15.2% YoY
-5.1% QoQ
|
+3.03% |
15.83%
+1.5% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
84% |
| Non-Interest Income / Assets ? |
0.20%
-3.0% YoY
-73.3% QoQ
|
-0.08% |
0.28%
+9.3% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
Top 13.6% in tier |
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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.