BlastPoint's Banking Scorecard

Security State Bank

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

Iron River, WI

3 branches across WI

2664 banks in the $100M-$1B peer group nationally 113 in 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 5.3% in tier
+ Net Interest Margin 3.10% above tier average
+ Efficiency Ratio 26.22% below tier average
+ Delinquency Rate 0.46% below tier average

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 9.5% in tier
- Liquidity Overhang: Bottom 11.1% in tier

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Total Assets ?	$140.6M +1.2% YoY +1.0% QoQ	-$245.5M	$386.1M +0.5% YoY	$1.1B +10.1% YoY	$6.2B +9.1% YoY	Bottom 11.4% in tier
Total Loans ?	$77.7M +4.5% YoY -7.1% QoQ	-$178.0M	$255.7M +1.1% YoY	$816.7M +9.9% YoY	$3.2B +10.8% YoY	Bottom 10.1% in tier
Total Deposits ?	$110.1M -0.6% YoY +1.0% QoQ	-$217.9M	$328.0M +0.1% YoY	$905.4M +9.0% YoY	$4.8B +8.2% YoY	Bottom 8.7% in tier
Return on Assets ?	3.53% +64.3% YoY +90.9% QoQ	+2.26%	1.27% +12.9% YoY	1.50% +15.4% YoY	1.23% +13.4% YoY	Top 0.9% in tier
Net Interest Margin ?	7.03% +46.4% YoY +38.5% QoQ	+3.10%	3.93% +6.0% YoY	3.77% +9.2% YoY	3.89% +5.7% YoY	Top 0.4% in tier
Efficiency Ratio ?	39.07% -24.3% YoY -30.2% QoQ	-26.22%	65.29% -4.5% YoY	64.74% -4.5% YoY	66.95% -4.1% YoY	Top 3.2% in tier
Delinquency Rate ?	0.42% -29.4% YoY -27.7% QoQ	-0.46%	0.89% +18.8% YoY	0.87% +31.3% YoY	0.95% +18.8% YoY	50%
Loan-to-Deposit Ratio ?	70.63% +5.2% YoY -8.0% QoQ	-6.01%	76.64% +0.8% YoY	86.53% +1.6% YoY	76.70% +0.9% YoY	65%
Non-Interest-Bearing Deposit Share ?	21.36% -29.4% YoY -5.5% QoQ	-0.66%	22.02% -1.0% YoY	18.27% -0.8% YoY	22.01% -1.2% YoY	51%
Nonperforming Asset Ratio ?	0.23% -27.1% YoY -33.5% QoQ	-0.40%	0.64% +19.7% YoY	0.63% +35.0% YoY	0.67% +19.3% YoY	56%
Tier 1 Capital Ratio ?	31.88% +5.0% YoY +6.0% QoQ	+16.05%	15.83% +1.5% YoY	14.74% +0.5% YoY	17.06% +0.8% YoY	Top 3.1% in tier
Non-Interest Income / Assets ?	0.11% -16.1% YoY -78.6% QoQ	-0.17%	0.28% +9.3% YoY	1.15% +12.5% YoY	0.32% +4.1% YoY	57%

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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

#36 of 666 • Top 5.3% in tier

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

Why this signature

Return on Assets: 3.53%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Concerns (2)

Deposit Outflow

decline

#49 of 506 • Bottom 9.5% in tier

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

506 of 506 Community banks match · 656 nationally

→ Stable -8 banks QoQ

Liquidity Overhang

risk

#83 of 739 • Bottom 11.1% 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: 31.88%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 70.63%

(Tier: 76.64%, National: 76.70%)

better than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 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 2664 peers in $100M-$1B

Top Strengths (4 metrics)

Net Interest Margin

profitability

Value: 7.03%

Peer Median: 3.93%

#12 of 2664 Top 0.4% in $100M-$1B

Return on Assets

profitability

Value: 3.53%

Peer Median: 1.27%

#26 of 2664 Top 0.9% in $100M-$1B

Tier 1 Capital Ratio

capital

Value: 31.88%

Peer Median: 15.83%

#84 of 2664 Top 3.1% in $100M-$1B

Efficiency Ratio

profitability

Value: 39.07%

Peer Median: 65.29%

#86 of 2664 Top 3.2% in $100M-$1B

Top Weaknesses (3 metrics)

2434

Total Deposits

size

Value: $110.08M

Peer Median: $327.97M

#2434 of 2664 Bottom 8.7% in $100M-$1B

2395

Total Loans

size

Value: $77.74M

Peer Median: $255.72M

#2395 of 2664 Bottom 10.1% in $100M-$1B

2361

Total Assets

size

Value: $140.56M

Peer Median: $386.08M

#2361 of 2664 Bottom 11.4% in $100M-$1B