BlastPoint's Banking Scorecard

Security State Bank

$100M-$1B Specialty: Commercial WI FDIC cert 9036

Iron River, WI

3 branches across WI

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 110 in WI.
Deposits -2.8% year over year ($105.2M on the books).
Delinquency rate 0.37%.
Return on assets 2.67%.
Efficiency ratio 43.89% vs a 64.48% peer average.
Loan-to-deposit ratio 85.61% 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 110 in WI

View $100M-$1B leaderboard (WI) →

Security State Bank 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

+ Profitability Leader: Top 7.4% in tier
+ Net Interest Margin 1.98% above tier average
+ Efficiency Ratio 20.59% below tier average
+ Delinquency Rate 0.55% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 7.3% in tier
- Deposit Outflow: Bottom 9.7% in tier

Get updates when Security State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Total Assets ?	$136.2M -0.4% YoY -3.1% QoQ	-$250.4M	$386.6M +1.2% YoY	$1.2B +13.5% YoY	$6.3B +7.7% YoY	Bottom 9.9% in tier
Total Loans ?	$90.0M +8.8% YoY +15.8% QoQ	-$168.3M	$258.3M +1.7% YoY	$860.4M +13.3% YoY	$3.2B +9.4% YoY	Bottom 14.9% in tier
Total Deposits ?	$105.2M -2.8% YoY -4.5% QoQ	-$221.6M	$326.7M +0.7% YoY	$935.5M +13.1% YoY	$4.9B +7.3% YoY	Bottom 7.1% in tier
Return on Assets ?	2.67% +28.4% YoY -24.3% QoQ	+1.35%	1.32% +10.8% YoY	1.56% +18.6% YoY	1.30% +12.1% YoY	Top 3.4% in tier
Net Interest Margin ?	5.97% +23.3% YoY -15.1% QoQ	+1.98%	3.99% +5.0% YoY	3.83% +8.5% YoY	3.95% +4.9% YoY	Top 1.6% in tier
Efficiency Ratio ?	43.89% -11.2% YoY +12.3% QoQ	-20.59%	64.48% -3.2% YoY	62.90% -5.1% YoY	70.05% +2.5% YoY	Top 7.5% in tier
Delinquency Rate ?	0.37% -77.5% YoY -12.1% QoQ	-0.55%	0.92% +15.7% YoY	0.85% +12.5% YoY	0.98% +16.3% YoY	53%
Loan-to-Deposit Ratio ?	85.61% +11.9% YoY +21.2% QoQ	+7.66%	77.95% +1.0% YoY	87.22% +0.9% YoY	79.03% +2.3% YoY	36%
Non-Interest-Bearing Deposit Share ?	21.52% -11.8% YoY +0.8% QoQ	-0.51%	22.03% -0.6% YoY	18.65% -1.9% YoY	21.98% -0.6% YoY	52%
Nonperforming Asset Ratio ?	0.25% -75.4% YoY +5.1% QoQ	-0.42%	0.67% +16.4% YoY	0.63% +16.4% YoY	0.69% +15.8% YoY	56%
Tier 1 Capital Ratio ?	29.15% +1.6% YoY -8.5% QoQ	+13.24%	15.91% +1.4% YoY	15.02% +1.5% YoY	17.09% +0.8% YoY	Top 4.4% in tier
Non-Interest Income / Assets ?	0.24% -9.4% YoY +117.9% QoQ	-0.33%	0.57% +7.6% YoY	2.21% +12.7% YoY	0.66% +5.2% YoY	60%

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 (WI)	National Avg	Tier Percentile
Noninterest-Bearing	21.5% -2.9pp YoY +0.2pp QoQ	-0.6pp	22.1%	18.9%	22.2%	52%
Brokered Deposits	n/a	n/a	7.9%	9.2%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
C&I	24.4% +0.8pp YoY +2.5pp QoQ	+12.9pp	11.6%	10.5%	12.5%	93%
CRE	n/a	n/a	39.5%	46.4%	41.4%	n/a
1-4 Family	38.3% -1.2pp YoY -7.0pp QoQ	+5.7pp	32.6%	32.3%	31.3%	67%
Consumer	2.6% -0.3pp YoY -0.5pp QoQ	-1.6pp	4.1%	2.6%	5.0%	54%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
CET1 Ratio	29.1% +0.4pp YoY -2.7pp QoQ	+10.3pp	18.8%	15.5%	19.7%	92%
Leverage Ratio	21.4% +1.1pp YoY +1.7pp QoQ	+9.2pp	12.2%	12.6%	12.6%	97%
Total Capital Ratio	30.4% +0.4pp YoY -2.7pp QoQ	+10.5pp	19.9%	16.6%	20.8%	92%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Full-Time Employees	16 0 YoY 0 QoQ	-43	58	134	482	5%
Assets per Employee ($)	$8.5M -0.4% YoY -3.1% QoQ	+$995K	$7.5M	$8.2M	$8.8M	74%
Branch Count	3 0 YoY 0 QoQ	-2	4	9	18	26%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.4%	0.4%	n/a
Nonaccrual	0.4% -1.3pp YoY -0.1pp QoQ	-0.6pp	0.9%	0.9%	1.0%	45%
Allowance Coverage	4.80x +337.7% YoY +0.1% QoQ	-19.35x	24.15x	56.89x	20.23x	70%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.0%	0.2%	57%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
ROE	13.2% +2.5pp YoY -4.5pp QoQ	+1.0pp	12.2%	11.8%	11.6%	58%
Cost of Funds (YTD)	1.1% -0.1pp YoY 0.0pp QoQ	-0.6pp	1.7%	1.8%	1.7%	14%
Net Income ($, YTD)	$1.9M +33.0% YoY — QoQ	-$702K	$2.6M	$7.9M	$40.4M	50%

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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 (1)

Profitability Leader

growth

#50 of 661 • Top 7.4% in tier

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

Why this signature

Return on Assets: 2.67%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank declining

Concerns (2)

Liquidity Overhang

risk

#55 of 742 • Bottom 7.3% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 29.15%

(Tier: 15.91%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 85.61%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

742 of 742 Community banks match · 940 nationally

→ Stable +7 banks QoQ | QoQ rank improving

Deposit Outflow

decline

#53 of 535 • Bottom 9.7% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally

→ Stable +31 banks QoQ | QoQ rank declining

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 (4 metrics)

Net Interest Margin

profitability

Value: 5.97%

Peer Median: 3.99%

#42 of 2643 Top 1.6% in $100M-$1B

Return on Assets

profitability

Value: 2.67%

Peer Median: 1.32%

#90 of 2643 Top 3.4% in $100M-$1B

118

Tier 1 Capital Ratio

capital

Value: 29.15%

Peer Median: 15.91%

#118 of 2643 Top 4.4% in $100M-$1B

199

Efficiency Ratio

profitability

Value: 43.89%

Peer Median: 64.48%

#199 of 2643 Top 7.5% in $100M-$1B

Top Weaknesses (3 metrics)

2457

Total Deposits

size

Value: $105.17M

Peer Median: $326.73M

#2457 of 2643 Bottom 7.1% in $100M-$1B

2382

Total Assets

size

Value: $136.21M

Peer Median: $386.57M

#2382 of 2643 Bottom 9.9% in $100M-$1B

2250

Total Loans

size

Value: $90.04M

Peer Median: $258.35M

#2250 of 2643 Bottom 14.9% in $100M-$1B