BlastPoint's Banking Scorecard
Security Bank Midwest
Tyndall, SD
6 branches across SD · MN
Security Bank Midwest has 1 strength but faces 7 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.53% below tier average
Key Concerns
Areas that may need attention
- - Capital Constraint: Bottom 0.1% in tier
- - Capital Thin: Bottom 2.5% in tier
- - Credit Quality Pressure: Bottom 43.9% in tier
- - Deposit Outflow: Bottom 47.0% in tier
- - ROA 0.34% below tier average
- - Net Interest Margin 0.41% below tier average
- - Efficiency Ratio 5.99% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$321.9M
-4.8% YoY
-1.9% QoQ
|
-$64.2M |
$386.1M
+0.5% YoY
|
$68.7B
+9.0% YoY
|
$6.2B
+9.1% YoY
|
50% |
| Total Loans ? |
$211.0M
-5.8% YoY
-2.3% QoQ
|
-$44.8M |
$255.7M
+1.1% YoY
|
$30.8B
+10.3% YoY
|
$3.2B
+10.8% YoY
|
51% |
| Total Deposits ? |
$246.1M
-6.1% YoY
+0.3% QoQ
|
-$81.8M |
$328.0M
+0.1% YoY
|
$54.8B
+8.5% YoY
|
$4.8B
+8.2% YoY
|
44% |
| Return on Assets ? |
0.93%
+10.4% YoY
+22.8% QoQ
|
-0.34% |
1.27%
+12.9% YoY
|
1.41%
+1.8% YoY
|
1.23%
+13.4% YoY
|
33% |
| Net Interest Margin ? |
3.52%
+9.6% YoY
+8.1% QoQ
|
-0.41% |
3.93%
+6.0% YoY
|
4.19%
+0.4% YoY
|
3.89%
+5.7% YoY
|
32% |
| Efficiency Ratio ? |
71.27%
-1.6% YoY
-5.3% QoQ
|
+5.99% |
65.29%
-4.5% YoY
|
64.00%
-0.6% YoY
|
66.95%
-4.1% YoY
|
30% |
| Delinquency Rate ? | 0.36% | -0.53% |
0.89%
+18.8% YoY
|
0.59%
+45.1% YoY
|
0.95%
+18.8% YoY
|
53% |
| Loan-to-Deposit Ratio ? |
85.71%
+0.3% YoY
-2.6% QoQ
|
+9.07% |
76.64%
+0.8% YoY
|
71.70%
+0.3% YoY
|
76.70%
+0.9% YoY
|
33% |
| Non-Interest-Bearing Deposit Share ? |
20.12%
+9.2% YoY
-1.4% QoQ
|
-1.90% |
22.02%
-1.0% YoY
|
23.74%
-0.7% YoY
|
22.01%
-1.2% YoY
|
46% |
| Nonperforming Asset Ratio ? | 0.24% | -0.40% |
0.64%
+19.7% YoY
|
0.41%
+39.3% YoY
|
0.67%
+19.3% YoY
|
56% |
| Tier 1 Capital Ratio ? |
10.27%
+12.1% YoY
+4.6% QoQ
|
-5.56% |
15.83%
+1.5% YoY
|
15.79%
+0.8% YoY
|
17.06%
+0.8% YoY
|
Bottom 13.2% in tier |
| Non-Interest Income / Assets ? |
0.04%
-17.5% YoY
-74.6% QoQ
|
-0.24% |
0.28%
+9.3% YoY
|
0.27%
+0.0% YoY
|
0.32%
+4.1% YoY
|
Bottom 13.5% 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 (0)
Concerns (4)
Capital Constraint
riskStrong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.