BlastPoint's Banking Scorecard

Security Federal Savings Bank

$100M-$1B Specialty: Commercial IN FDIC cert 28894

Logansport, IN

8 branches across IN

2664 banks in the $100M-$1B peer group nationally 60 in IN

Security Federal Savings Bank has 1 strength but faces 5 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

+ Delinquency Rate 0.56% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 17.0% in tier
- Capital Thin: Bottom 44.3% in tier
- ROA 0.47% below tier average
- Net Interest Margin 0.27% below tier average
- Efficiency Ratio 7.61% above tier average

Get updates when Security Federal Savings Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Total Assets ?	$452.9M +6.3% YoY -1.1% QoQ	+$66.9M	$386.1M +0.5% YoY	$2.5B +12.1% YoY	$6.2B +9.1% YoY	68%
Total Loans ?	$375.3M +14.0% YoY -0.1% QoQ	+$119.6M	$255.7M +1.1% YoY	$1.7B +14.1% YoY	$3.2B +10.8% YoY	77%
Total Deposits ?	$387.9M +4.0% YoY -1.5% QoQ	+$59.9M	$328.0M +0.1% YoY	$2.0B +11.8% YoY	$4.8B +8.2% YoY	68%
Return on Assets ?	0.80% +361.6% YoY +80.9% QoQ	-0.47%	1.27% +12.9% YoY	0.81% -6.6% YoY	1.23% +13.4% YoY	26%
Net Interest Margin ?	3.66% +12.4% YoY +4.7% QoQ	-0.27%	3.93% +6.0% YoY	3.60% +8.5% YoY	3.89% +5.7% YoY	38%
Efficiency Ratio ?	72.89% -21.8% YoY -13.0% QoQ	+7.61%	65.29% -4.5% YoY	105.71% +27.0% YoY	66.95% -4.1% YoY	26%
Delinquency Rate ?	0.33% +10.7% YoY +22.3% QoQ	-0.56%	0.89% +18.8% YoY	0.90% +15.9% YoY	0.95% +18.8% YoY	55%
Loan-to-Deposit Ratio ?	96.74% +9.6% YoY +1.4% QoQ	+20.10%	76.64% +0.8% YoY	81.10% +0.7% YoY	76.70% +0.9% YoY	Bottom 12.8% in tier
Non-Interest-Bearing Deposit Share ?	15.12% -8.7% YoY -0.6% QoQ	-6.90%	22.02% -1.0% YoY	17.15% -0.9% YoY	22.01% -1.2% YoY	25%
Nonperforming Asset Ratio ?	0.27% +18.7% YoY +23.6% QoQ	-0.37%	0.64% +19.7% YoY	0.67% +21.6% YoY	0.67% +19.3% YoY	53%
Tier 1 Capital Ratio ?	9.88% -31.1% YoY +1.8% QoQ	-5.95%	15.83% +1.5% YoY	16.04% +1.8% YoY	17.06% +0.8% YoY	Bottom 8.4% in tier
Non-Interest Income / Assets ?	0.23% +45.9% YoY -63.1% QoQ	-0.05%	0.28% +9.3% YoY	0.79% -14.5% YoY	0.32% +4.1% YoY	Top 10.3% in tier

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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 (0)

No matched strength signatures this quarter

Concerns (2)

Credit Quality Pressure

risk

#223 of 1308 • Bottom 17.0% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.33%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Capital Thin

risk

#296 of 666 • Bottom 44.3% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 9.88%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

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 2664 peers in $100M-$1B

Top Strengths (2 metrics)

275

Non-Interest Income / Assets

revenue_mix

Value: 0.23%

Peer Median: 0.28%

#275 of 2664 Top 10.3% in $100M-$1B

616

Total Loans

size

Value: $375.27M

Peer Median: $255.72M

#616 of 2664 Top 23.1% in $100M-$1B

Top Weaknesses (3 metrics)

2441

Tier 1 Capital Ratio

capital

Value: 9.88%

Peer Median: 15.83%

#2441 of 2664 Bottom 8.4% in $100M-$1B

2323

Loan-to-Deposit Ratio

liquidity

Value: 96.74%

Peer Median: 76.64%

#2323 of 2664 Bottom 12.8% in $100M-$1B

2005

Non-Interest-Bearing Deposit Share

funding

Value: 15.12%

Peer Median: 22.02%

#2005 of 2664 Bottom 24.8% in $100M-$1B