BlastPoint's Banking Scorecard

Security National Bank of South Dakota

$100M-$1B Specialty: Commercial SD FDIC cert 34394

Dakota Dunes, SD

3 branches across SD

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 24 in SD.
Deposits +2.6% year over year ($194.7M on the books).
Delinquency rate 0.00%.
Return on assets 2.48%.
Efficiency ratio 42.78% vs a 64.48% peer average.
Loan-to-deposit ratio 87.46% 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 24 in SD

View $100M-$1B leaderboard (SD) →

Security National Bank of South Dakota has 5 strengths but faces 1 concern

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

+ Revenue Diversifier: Top 2.9% in tier
+ Profitability Leader: Top 8.2% in tier
+ Credit Quality Leader: Top 43.5% in tier
+ Efficiency Ratio 21.70% below tier average
+ Nonperforming Asset Ratio 0.67% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 0.85% below tier average

Get updates when Security National Bank of South Dakota releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
Total Assets ?	$251.5M +5.1% YoY -0.7% QoQ	-$135.1M	$386.6M +1.2% YoY	$70.4B +8.4% YoY	$6.3B +7.7% YoY	37%
Total Loans ?	$170.3M +15.6% YoY +6.1% QoQ	-$88.0M	$258.3M +1.7% YoY	$31.5B +10.3% YoY	$3.2B +9.4% YoY	41%
Total Deposits ?	$194.7M +2.6% YoY -1.1% QoQ	-$132.0M	$326.7M +0.7% YoY	$56.5B +10.5% YoY	$4.9B +7.3% YoY	33%
Return on Assets ?	2.48% +28.7% YoY -1.0% QoQ	+1.15%	1.32% +10.8% YoY	1.40% +6.8% YoY	1.30% +12.1% YoY	Top 4.9% in tier
Net Interest Margin ?	3.14% +25.8% YoY +4.0% QoQ	-0.85%	3.99% +5.0% YoY	4.26% +1.1% YoY	3.95% +4.9% YoY	Bottom 14.1% in tier
Efficiency Ratio ?	42.78% -9.5% YoY +3.1% QoQ	-21.70%	64.48% -3.2% YoY	60.99% -4.4% YoY	70.05% +2.5% YoY	Top 6.4% in tier
Delinquency Rate ?	0.00%	-0.92%	0.92% +15.7% YoY	0.78% +47.6% YoY	0.98% +16.3% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	87.46% +12.6% YoY +7.2% QoQ	+9.51%	77.95% +1.0% YoY	73.26% -0.6% YoY	79.03% +2.3% YoY	32%
Non-Interest-Bearing Deposit Share ?	20.29% +2.9% YoY +2.7% QoQ	-1.74%	22.03% -0.6% YoY	23.46% +3.2% YoY	21.98% -0.6% YoY	47%
Nonperforming Asset Ratio ?	0.00%	-0.67%	0.67% +16.4% YoY	0.54% +39.8% YoY	0.69% +15.8% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	14.12% +2.7% YoY +2.5% QoQ	-1.79%	15.91% +1.4% YoY	15.80% +1.0% YoY	17.09% +0.8% YoY	58%
Non-Interest Income / Assets ?	1.34% +7.8% YoY +99.5% QoQ	+0.78%	0.57% +7.6% YoY	0.54% -0.1% YoY	0.66% +5.2% YoY	Top 2.6% 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 (SD)	National Avg	Tier Percentile
Noninterest-Bearing	20.3% +0.6pp YoY +0.5pp QoQ	-1.9pp	22.1%	23.5%	22.2%	46%
Brokered Deposits	n/a	n/a	7.9%	8.7%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
C&I	5.9% -2.3pp YoY -0.6pp QoQ	-5.6pp	11.6%	14.1%	12.5%	25%
CRE	46.5% -3.9pp YoY -0.5pp QoQ	+6.9pp	39.5%	31.5%	41.4%	64%
1-4 Family	42.1% +5.4pp YoY +1.8pp QoQ	+9.5pp	32.6%	14.9%	31.3%	73%
Consumer	4.0% -0.1pp YoY -0.3pp QoQ	-0.1pp	4.1%	8.5%	5.0%	70%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	17.6%	19.7%	n/a
Leverage Ratio	14.1% +0.4pp YoY +0.3pp QoQ	+1.9pp	12.2%	11.9%	12.6%	82%
Total Capital Ratio	n/a	n/a	19.9%	18.8%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
Full-Time Employees	38 0 YoY +1 (+2.7%) QoQ	-21	58	6,279	482	39%
Assets per Employee ($)	$6.6M +5.1% YoY -3.3% QoQ	-$901K	$7.5M	$8.1M	$8.8M	45%
Branch Count	3 0 YoY 0 QoQ	-2	4	92	18	26%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.2%	0.4%	n/a
Nonaccrual	n/a	n/a	0.9%	1.0%	1.0%	n/a
Allowance Coverage	n/a	n/a	24.15x	96.54x	20.23x	n/a
Net Charge-off Rate (YTD)	0.0% 0.0pp QoQ	-0.1pp	0.1%	0.7%	0.2%	34%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
ROE	18.4% +2.8pp YoY -0.5pp QoQ	+6.3pp	12.2%	12.4%	11.6%	84%
Cost of Funds (YTD)	1.7% -0.1pp YoY 0.0pp QoQ	0.0pp	1.7%	1.7%	1.7%	52%
Net Income ($, YTD)	$3.1M +29.9% YoY — QoQ	+$511K	$2.6M	$418.8M	$40.4M	70%

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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 (3)

Revenue Diversifier

growth

#20 of 661 • Top 2.9% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 1.34%

(Tier: 0.57%, National: 0.66%)

better than tier avg

Return on Assets: 2.48%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

Profitability Leader

growth

#55 of 661 • Top 8.2% in tier

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

Why this signature

Return on Assets: 2.48%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

Credit Quality Leader

growth

#288 of 659 • Top 43.5% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.00%

(Tier: 0.92%, National: 0.98%)

better than tier avg

659 of 659 Community banks match · 920 nationally

→ Stable +1 banks QoQ | QoQ rank improving

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 (5 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.92%

#1 of 2633 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.67%

#1 of 2643 Top 0.1% in $100M-$1B

Non-Interest Income / Assets

revenue_mix

Value: 1.34%

Peer Median: 0.57%

#69 of 2643 Top 2.6% in $100M-$1B

131

Return on Assets

profitability

Value: 2.48%

Peer Median: 1.32%

#131 of 2643 Top 4.9% in $100M-$1B

171

Efficiency Ratio

profitability

Value: 42.78%

Peer Median: 64.48%

#171 of 2643 Top 6.4% in $100M-$1B

Top Weaknesses (1 metrics)

2272

Net Interest Margin

profitability

Value: 3.14%

Peer Median: 3.99%

#2272 of 2643 Bottom 14.1% in $100M-$1B