BlastPoint's Banking Scorecard
The Security National Bank of Sioux City, Iowa
Designations: ✓ Community bank
Sioux City, IA
10 branches across IA
The Security National Bank of Sioux City, Iowa has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 29.0% in tier
- + ROA 0.40% above tier average
- + Efficiency Ratio 9.97% below tier average
- + Delinquency Rate 0.47% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.49% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.7B
+3.0% YoY
+3.4% QoQ
|
-$1.1B |
$2.8B
-0.1% YoY
|
$560.1M
+4.8% YoY
|
$6.2B
+9.1% YoY
|
43% |
| Total Loans ? |
$1.2B
+8.2% YoY
+3.3% QoQ
|
-$790.8M |
$2.0B
+0.6% YoY
|
$379.9M
+5.0% YoY
|
$3.2B
+10.8% YoY
|
42% |
| Total Deposits ? |
$1.4B
+4.3% YoY
+3.7% QoQ
|
-$960.8M |
$2.3B
-0.3% YoY
|
$469.6M
+4.4% YoY
|
$4.8B
+8.2% YoY
|
40% |
| Return on Assets ? |
1.76%
+18.4% YoY
+14.0% QoQ
|
+0.40% |
1.37%
+19.6% YoY
|
1.31%
+22.6% YoY
|
1.23%
+13.4% YoY
|
83% |
| Net Interest Margin ? |
3.33%
+9.3% YoY
+2.5% QoQ
|
-0.49% |
3.82%
+6.9% YoY
|
3.52%
+10.3% YoY
|
3.89%
+5.7% YoY
|
30% |
| Efficiency Ratio ? |
51.09%
-6.6% YoY
-8.3% QoQ
|
-9.97% |
61.06%
-4.6% YoY
|
58.40%
-7.6% YoY
|
66.95%
-4.1% YoY
|
76% |
| Delinquency Rate ? |
0.42%
-28.6% YoY
-4.1% QoQ
|
-0.47% |
0.89%
+14.1% YoY
|
0.92%
+14.5% YoY
|
0.95%
+18.8% YoY
|
60% |
| Loan-to-Deposit Ratio ? |
84.92%
+3.8% YoY
-0.4% QoQ
|
+0.72% |
84.20%
+0.3% YoY
|
77.40%
+1.1% YoY
|
76.70%
+0.9% YoY
|
54% |
| Non-Interest-Bearing Deposit Share ? |
27.84%
-1.7% YoY
-11.7% QoQ
|
+6.56% |
21.29%
-2.5% YoY
|
17.87%
+0.7% YoY
|
22.01%
-1.2% YoY
|
79% |
| Nonperforming Asset Ratio ? |
0.29%
-25.0% YoY
-4.2% QoQ
|
-0.39% |
0.67%
+15.6% YoY
|
0.58%
+11.7% YoY
|
0.67%
+19.3% YoY
|
64% |
| Tier 1 Capital Ratio ? |
12.77%
+3.7% YoY
+3.2% QoQ
|
-2.39% |
15.16%
+2.0% YoY
|
14.34%
+1.8% YoY
|
17.06%
+0.8% YoY
|
44% |
| Non-Interest Income / Assets ? |
0.36%
+8.1% YoY
-74.3% QoQ
|
+0.10% |
0.26%
+1.6% YoY
|
0.12%
+10.7% YoY
|
0.32%
+4.1% YoY
|
Top 10.4% 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 (1)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.