BlastPoint's Banking Scorecard
Security Bank
Laurel, NE
5 branches across NE
Security Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.19% below tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 14.4% in tier
- - Flatlined Growth: Bottom 34.4% in tier
- - Deposit Outflow: Bottom 35.8% in tier
- - Efficiency Ratio 2.85% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$316.0M
-0.2% YoY
-1.7% QoQ
|
-$70.1M |
$386.1M
+0.5% YoY
|
$791.1M
+6.6% YoY
|
$6.2B
+9.1% YoY
|
49% |
| Total Loans ? |
$225.7M
+9.8% YoY
+2.3% QoQ
|
-$30.0M |
$255.7M
+1.1% YoY
|
$551.6M
+6.9% YoY
|
$3.2B
+10.8% YoY
|
55% |
| Total Deposits ? |
$277.9M
-1.1% YoY
-2.1% QoQ
|
-$50.1M |
$328.0M
+0.1% YoY
|
$661.1M
+6.6% YoY
|
$4.8B
+8.2% YoY
|
50% |
| Return on Assets ? |
1.02%
-19.7% YoY
-15.8% QoQ
|
-0.25% |
1.27%
+12.9% YoY
|
1.36%
+20.0% YoY
|
1.23%
+13.4% YoY
|
39% |
| Net Interest Margin ? |
3.97%
+3.3% YoY
-0.8% QoQ
|
+0.04% |
3.93%
+6.0% YoY
|
3.79%
+6.5% YoY
|
3.89%
+5.7% YoY
|
55% |
| Efficiency Ratio ? |
68.14%
+3.1% YoY
+0.3% QoQ
|
+2.85% |
65.29%
-4.5% YoY
|
60.11%
-6.9% YoY
|
66.95%
-4.1% YoY
|
37% |
| Delinquency Rate ? |
0.70%
+996.1% YoY
|
-0.19% |
0.89%
+18.8% YoY
|
0.72%
+6.8% YoY
|
0.95%
+18.8% YoY
|
36% |
| Loan-to-Deposit Ratio ? |
81.21%
+11.0% YoY
+4.4% QoQ
|
+4.58% |
76.64%
+0.8% YoY
|
79.63%
+0.4% YoY
|
76.70%
+0.9% YoY
|
44% |
| Non-Interest-Bearing Deposit Share ? |
16.69%
-8.7% YoY
-11.9% QoQ
|
-5.33% |
22.02%
-1.0% YoY
|
17.92%
-1.5% YoY
|
22.01%
-1.2% YoY
|
31% |
| Nonperforming Asset Ratio ? |
0.65%
+241.3% YoY
+342.7% QoQ
|
+0.01% |
0.64%
+19.7% YoY
|
0.55%
+6.0% YoY
|
0.67%
+19.3% YoY
|
31% |
| Tier 1 Capital Ratio ? |
15.31%
-0.7% YoY
+0.3% QoQ
|
-0.52% |
15.83%
+1.5% YoY
|
14.10%
+3.9% YoY
|
17.06%
+0.8% YoY
|
68% |
| Non-Interest Income / Assets ? |
0.26%
+15.6% YoY
-67.9% QoQ
|
-0.02% |
0.28%
+9.3% YoY
|
0.12%
+3.0% YoY
|
0.32%
+4.1% YoY
|
Top 8.2% 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 (3)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
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.