BlastPoint's Banking Scorecard
Security Federal Savings Bank
Logansport, IN
8 branches across IN
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 60 in IN.
- Deposits +7.7% year over year ($400.4M on the books).
- Delinquency rate 0.31%.
- Return on assets 0.73%.
- Efficiency ratio 74.60% vs a 64.48% peer average.
- Loan-to-deposit ratio 96.50% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Security Federal Savings Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.61% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.59% below tier average
- - Net Interest Margin 0.26% below tier average
- - Efficiency Ratio 10.12% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$464.4M
+7.2% YoY
+2.5% QoQ
|
+$77.8M |
$386.6M
+1.2% YoY
|
$2.5B
+3.7% YoY
|
$6.3B
+7.7% YoY
|
69% |
| Total Loans ? |
$386.4M
+14.2% YoY
+3.0% QoQ
|
+$128.0M |
$258.3M
+1.7% YoY
|
$1.8B
+5.7% YoY
|
$3.2B
+9.4% YoY
|
78% |
| Total Deposits ? |
$400.4M
+7.7% YoY
+3.2% QoQ
|
+$73.7M |
$326.7M
+0.7% YoY
|
$2.0B
+3.4% YoY
|
$4.9B
+7.3% YoY
|
70% |
| Return on Assets ? |
0.73%
+188.8% YoY
-9.2% QoQ
|
-0.59% |
1.32%
+10.8% YoY
|
1.07%
+3.3% YoY
|
1.30%
+12.1% YoY
|
20% |
| Net Interest Margin ? |
3.72%
+7.0% YoY
+1.6% QoQ
|
-0.26% |
3.99%
+5.0% YoY
|
3.70%
+8.1% YoY
|
3.95%
+4.9% YoY
|
38% |
| Efficiency Ratio ? |
74.60%
-16.8% YoY
+2.4% QoQ
|
+10.12% |
64.48%
-3.2% YoY
|
77.20%
+13.2% YoY
|
70.05%
+2.5% YoY
|
21% |
| Delinquency Rate ? |
0.31%
-6.7% YoY
-4.7% QoQ
|
-0.61% |
0.92%
+15.7% YoY
|
0.91%
+27.8% YoY
|
0.98%
+16.3% YoY
|
57% |
| Loan-to-Deposit Ratio ? |
96.50%
+6.0% YoY
-0.2% QoQ
|
+18.55% |
77.95%
+1.0% YoY
|
81.91%
+1.2% YoY
|
79.03%
+2.3% YoY
|
Bottom 14.3% in tier |
| Non-Interest-Bearing Deposit Share ? |
15.75%
+2.0% YoY
+4.1% QoQ
|
-6.28% |
22.03%
-0.6% YoY
|
16.57%
-2.9% YoY
|
21.98%
-0.6% YoY
|
27% |
| Nonperforming Asset Ratio ? |
0.27%
+1.5% YoY
-2.2% QoQ
|
-0.40% |
0.67%
+16.4% YoY
|
0.69%
+42.1% YoY
|
0.69%
+15.8% YoY
|
54% |
| Tier 1 Capital Ratio ? |
10.96%
-21.3% YoY
+11.7% QoQ
|
-4.95% |
15.91%
+1.4% YoY
|
16.20%
+1.2% YoY
|
17.09%
+0.8% YoY
|
23% |
| Non-Interest Income / Assets ? |
0.41%
+23.1% YoY
+77.3% QoQ
|
-0.15% |
0.57%
+7.6% YoY
|
1.78%
-1.3% YoY
|
0.66%
+5.2% YoY
|
Top 13.8% in tier |
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 (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
15.8%
+0.3pp YoY +0.6pp QoQ |
-6.4pp | 22.1% | 16.8% | 22.2% | 27% |
| Brokered Deposits | n/a | n/a | 7.9% | 7.2% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
4.0%
-0.1pp YoY -0.3pp QoQ |
-7.6pp | 11.6% | 11.1% | 12.5% | 14% |
| CRE |
32.9%
-2.0pp YoY -0.9pp QoQ |
-6.7pp | 39.5% | 36.2% | 41.4% | 40% |
| 1-4 Family |
59.2%
+2.7pp YoY +0.9pp QoQ |
+26.6pp | 32.6% | 40.0% | 31.3% | 90% |
| Consumer |
0.7%
-0.1pp YoY 0.0pp QoQ |
-3.4pp | 4.1% | 3.2% | 5.0% | 21% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 17.5% | 19.7% | n/a |
| Leverage Ratio |
11.0%
+1.0pp YoY +1.2pp QoQ |
-1.2pp | 12.2% | 13.0% | 12.6% | 50% |
| Total Capital Ratio | n/a | n/a | 19.9% | 18.7% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
80
+2 (+2.6%) YoY 0 QoQ |
+21 | 58 | 237 | 482 | 77% |
| Assets per Employee ($) |
$5.8M
+4.6% YoY +2.5% QoQ |
-$1.7M | $7.5M | $7.5M | $8.8M | 30% |
| Branch Count |
8
0 YoY 0 QoQ |
+3 | 4 | 17 | 18 | 82% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.2% | 0.4% | n/a |
| Nonaccrual |
0.3%
0.0pp YoY 0.0pp QoQ |
-0.6pp | 0.9% | 0.8% | 1.0% | 39% |
| Allowance Coverage |
3.00x
+10.3% YoY +6.9% QoQ |
-21.15x | 24.15x | 6.71x | 20.23x | 58% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 61% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
7.8%
+5.0pp YoY -1.2pp QoQ |
-4.4pp | 12.2% | 11.2% | 11.6% | 24% |
| Cost of Funds (YTD) |
2.1%
-0.1pp YoY 0.0pp QoQ |
+0.4pp | 1.7% | 1.8% | 1.7% | 74% |
| Net Income ($, YTD) |
$1.7M
+212.7% YoY — QoQ |
-$882K | $2.6M | $16.3M | $40.4M | 46% |
Get Full Access to Security Federal Savings Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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.