BlastPoint's Banking Scorecard

Security Trust & Savings Bank

$100M-$1B Specialty: Agricultural IA FDIC cert 968

Storm Lake, IA

3 branches across IA

2664 banks in the $100M-$1B peer group nationally 166 in IA

Security Trust & Savings Bank has 2 strengths but faces 4 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

+ Efficiency Ratio 9.87% below tier average
+ Delinquency Rate 0.08% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 1.30% below tier average
- Non-Interest-Bearing Deposit Share 15.82% below tier average
- Non-Interest Income / Assets 0.26% below tier average
- ROA 0.09% below tier average

Get updates when Security Trust & Savings Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Total Assets ?	$283.7M +0.6% YoY +3.2% QoQ	-$102.4M	$386.1M +0.5% YoY	$560.1M +4.8% YoY	$6.2B +9.1% YoY	43%
Total Loans ?	$78.3M +0.8% YoY -3.2% QoQ	-$177.5M	$255.7M +1.1% YoY	$379.9M +5.0% YoY	$3.2B +10.8% YoY	Bottom 10.5% in tier
Total Deposits ?	$257.1M -0.3% YoY +3.6% QoQ	-$70.9M	$328.0M +0.1% YoY	$469.6M +4.4% YoY	$4.8B +8.2% YoY	46%
Return on Assets ?	1.18% +36.9% YoY +16.6% QoQ	-0.09%	1.27% +12.9% YoY	1.31% +22.6% YoY	1.23% +13.4% YoY	48%
Net Interest Margin ?	2.63% +14.6% YoY +6.4% QoQ	-1.30%	3.93% +6.0% YoY	3.52% +10.3% YoY	3.89% +5.7% YoY	Bottom 4.6% in tier
Efficiency Ratio ?	55.42% -8.1% YoY -1.4% QoQ	-9.87%	65.29% -4.5% YoY	58.40% -7.6% YoY	66.95% -4.1% YoY	73%
Delinquency Rate ?	0.80% -15.8% YoY +11.3% QoQ	-0.08%	0.89% +18.8% YoY	0.92% +14.5% YoY	0.95% +18.8% YoY	34%
Loan-to-Deposit Ratio ?	30.44% +1.1% YoY -6.6% QoQ	-46.20%	76.64% +0.8% YoY	77.40% +1.1% YoY	76.70% +0.9% YoY	Top 1.8% in tier
Non-Interest-Bearing Deposit Share ?	6.20% -2.9% YoY -13.4% QoQ	-15.82%	22.02% -1.0% YoY	17.87% +0.7% YoY	22.01% -1.2% YoY	Bottom 4.8% in tier
Nonperforming Asset Ratio ?	0.22% -15.6% YoY +4.4% QoQ	-0.42%	0.64% +19.7% YoY	0.58% +11.7% YoY	0.67% +19.3% YoY	57%
Tier 1 Capital Ratio ?	31.34% +5.9% YoY +5.3% QoQ	+15.51%	15.83% +1.5% YoY	14.34% +1.8% YoY	17.06% +0.8% YoY	Top 3.2% in tier
Non-Interest Income / Assets ?	0.02% -4.3% YoY -80.5% QoQ	-0.26%	0.28% +9.3% YoY	0.12% +10.7% YoY	0.32% +4.1% YoY	Bottom 3.6% in tier

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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 (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

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 (2 metrics)

Loan-to-Deposit Ratio

liquidity

Value: 30.44%

Peer Median: 76.64%

#50 of 2664 Top 1.8% in $100M-$1B

Tier 1 Capital Ratio

capital

Value: 31.34%

Peer Median: 15.83%

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

Top Weaknesses (4 metrics)

2569

Non-Interest Income / Assets

revenue_mix

Value: 0.02%

Peer Median: 0.28%

#2569 of 2664 Bottom 3.6% in $100M-$1B

2542

Net Interest Margin

profitability

Value: 2.63%

Peer Median: 3.93%

#2542 of 2664 Bottom 4.6% in $100M-$1B

2537

Non-Interest-Bearing Deposit Share

funding

Value: 6.20%

Peer Median: 22.02%

#2537 of 2664 Bottom 4.8% in $100M-$1B

2386

Total Loans

size

Value: $78.25M

Peer Median: $255.72M

#2386 of 2664 Bottom 10.5% in $100M-$1B