BlastPoint's Banking Scorecard

The Security National Bank of Sioux City, Iowa

$1B-$10B Specialty: Agricultural IA FDIC cert 4506

Designations: ✓ Community bank

Sioux City, IA

10 branches across IA

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 885 banks in the $1B-$10B peer group nationwide — 1 of 27 in IA.
Deposits +1.3% year over year ($1.3B on the books).
Delinquency rate 0.26%.
Return on assets 1.79%.
Efficiency ratio 51.77% vs a 59.73% peer average.
Loan-to-deposit ratio 90.84% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 27 in IA

View $1B-$10B leaderboard (IA) →

The Security National Bank of Sioux City, Iowa has 4 strengths but faces 2 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

+ Revenue Diversifier: Top 28.4% in tier
+ ROA 0.40% above tier average
+ Efficiency Ratio 7.96% below tier average
+ Delinquency Rate 0.61% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 30.8% in tier
- Net Interest Margin 0.43% below tier average

Get updates when The Security National Bank of Sioux City, Iowa releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Total Assets ?	$1.7B +3.5% YoY -2.6% QoQ	-$1.1B	$2.8B -0.6% YoY	$566.2M +5.8% YoY	$6.3B +7.7% YoY	43%
Total Loans ?	$1.2B +8.3% YoY +1.5% QoQ	-$771.6M	$2.0B -0.3% YoY	$385.0M +5.4% YoY	$3.2B +9.4% YoY	43%
Total Deposits ?	$1.3B +1.3% YoY -5.1% QoQ	-$1.0B	$2.3B -0.5% YoY	$472.4M +6.3% YoY	$4.9B +7.3% YoY	37%
Return on Assets ?	1.79% +16.4% YoY +1.7% QoQ	+0.40%	1.39% +17.0% YoY	1.58% +39.1% YoY	1.30% +12.1% YoY	82%
Net Interest Margin ?	3.44% +8.6% YoY +3.5% QoQ	-0.43%	3.87% +6.2% YoY	3.58% +9.0% YoY	3.95% +4.9% YoY	34%
Efficiency Ratio ?	51.77% -5.5% YoY +1.3% QoQ	-7.96%	59.73% -12.6% YoY	57.74% -6.0% YoY	70.05% +2.5% YoY	73%
Delinquency Rate ?	0.26% -43.7% YoY -38.5% QoQ	-0.61%	0.87% +11.7% YoY	0.99% +12.8% YoY	0.98% +16.3% YoY	73%
Loan-to-Deposit Ratio ?	90.84% +6.8% YoY +7.0% QoQ	+5.81%	85.04% -0.1% YoY	80.39% +2.7% YoY	79.03% +2.3% YoY	38%
Non-Interest-Bearing Deposit Share ?	29.06% -6.2% YoY +4.4% QoQ	+7.78%	21.27% -1.5% YoY	17.72% +0.8% YoY	21.98% -0.6% YoY	83%
Nonperforming Asset Ratio ?	0.18% -41.1% YoY -35.9% QoQ	-0.49%	0.67% +11.7% YoY	0.63% +7.9% YoY	0.69% +15.8% YoY	75%
Tier 1 Capital Ratio ?	12.79% +3.4% YoY +0.2% QoQ	-2.05%	14.84% -0.4% YoY	14.69% +3.0% YoY	17.09% +0.8% YoY	46%
Non-Interest Income / Assets ?	0.76% +8.7% YoY +110.6% QoQ	+0.24%	0.53% +2.5% YoY	0.24% +5.5% YoY	0.66% +5.2% YoY	Top 9.5% 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 (IA)	National Avg	Tier Percentile
Noninterest-Bearing	29.1% -1.9pp YoY +1.2pp QoQ	+7.7pp	21.4%	17.8%	22.2%	83%
Brokered Deposits	n/a	n/a	9.5%	6.0%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
C&I	9.3% -0.5pp YoY +0.2pp QoQ	-4.7pp	14.0%	12.8%	12.5%	40%
CRE	26.1% +0.7pp YoY +0.1pp QoQ	-23.9pp	50.0%	28.3%	41.4%	10%
1-4 Family	22.5% -0.2pp YoY +0.3pp QoQ	-3.9pp	26.4%	23.0%	31.3%	49%
Consumer	1.6% 0.0pp YoY 0.0pp QoQ	-3.1pp	4.7%	2.9%	5.0%	57%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	15.6%	15.4%	19.7%	n/a
Leverage Ratio	12.8% +0.4pp YoY 0.0pp QoQ	+1.5pp	11.3%	12.4%	12.6%	83%
Total Capital Ratio	n/a	n/a	16.7%	16.5%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Full-Time Employees	239 +1 (+0.4%) YoY +6 (+2.6%) QoQ	-75	313	64	482	51%
Assets per Employee ($)	$7.1M +3.1% YoY -5.1% QoQ	-$3.4M	$10.5M	$8.9M	$8.8M	24%
Branch Count	10 0 YoY 0 QoQ	-10	20	5	18	29%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.2%	0.4%	0.4%	15%
Nonaccrual	0.3% -0.2pp YoY -0.2pp QoQ	-0.6pp	0.8%	1.0%	1.0%	27%
Allowance Coverage	5.64x +64.2% YoY +60.4% QoQ	-13.07x	18.71x	18.97x	20.23x	80%
Net Charge-off Rate (YTD)	-0.0% 0.0pp QoQ	-0.3pp	0.3%	0.1%	0.2%	10%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
ROE	15.0% +1.4pp YoY 0.0pp QoQ	+2.4pp	12.6%	12.8%	11.6%	73%
Cost of Funds (YTD)	1.5% -0.2pp YoY 0.0pp QoQ	-0.4pp	1.9%	1.8%	1.7%	24%
Net Income ($, YTD)	$15.3M +19.9% YoY — QoQ	-$4.0M	$19.2M	$4.0M	$40.4M	61%

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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 (1)

Revenue Diversifier

growth

#64 of 222 • Top 28.4% 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: 0.76%

(Tier: 0.53%, National: 0.66%)

better than tier avg

Return on Assets: 1.79%

(Tier: 1.39%, National: 1.30%)

better than tier avg

222 of 222 Mid-Market banks match · 923 nationally

→ Stable | QoQ rank improving

Concerns (1)

Liquidity Strain

risk

#112 of 361 • Bottom 30.8% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 90.84%

(Tier: 85.04%, National: 79.03%)

worse than tier avg

361 of 361 Mid-Market banks match · 1092 nationally

→ Stable +81 banks QoQ

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 885 peers in $1B-$10B

Top Strengths (3 metrics)

Non-Interest Income / Assets

revenue_mix

Value: 0.76%

Peer Median: 0.53%

#85 of 885 Top 9.5% in $1B-$10B

149

Non-Interest-Bearing Deposit Share

funding

Value: 29.06%

Peer Median: 21.27%

#149 of 885 Top 16.7% in $1B-$10B

159

Return on Assets

profitability

Value: 1.79%

Peer Median: 1.39%

#159 of 885 Top 17.9% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available