BlastPoint's Banking Scorecard

First Security Bank

$100M-$1B Specialty: Other MN FDIC cert 9728

Designations: ✓ CDFI-certified

Byron, MN

2664 banks in the $100M-$1B peer group nationally 152 in MN

First Security Bank has 1 strength but faces 5 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 4.89% below tier average

Key Concerns

Areas that may need attention

- Return on Assets 0.94% below tier average
- Delinquency Rate 1.79% above tier average
- Loan-to-Deposit Ratio 24.06% above tier average
- Nonperforming Asset Ratio 1.44% above tier average
- Net Interest Margin 0.58% below tier average

Get updates when First Security Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Total Assets ?	$159.1M +9.3% YoY +3.2% QoQ	-$227.0M	$386.1M +0.5% YoY	$512.9M +5.5% YoY	$6.2B +9.1% YoY	17%
Total Loans ?	$121.1M +7.8% YoY +2.4% QoQ	-$134.6M	$255.7M +1.1% YoY	$288.3M +6.9% YoY	$3.2B +10.8% YoY	26%
Total Deposits ?	$120.3M +4.6% YoY +2.8% QoQ	-$207.7M	$328.0M +0.1% YoY	$443.8M +5.0% YoY	$4.8B +8.2% YoY	Bottom 11.9% in tier
Return on Assets ?	0.33% -72.0% YoY -73.9% QoQ	-0.94%	1.27% +12.9% YoY	1.13% +10.7% YoY	1.23% +13.4% YoY	Bottom 8.7% in tier
Net Interest Margin ?	3.35% +0.4% YoY -0.9% QoQ	-0.58%	3.93% +6.0% YoY	3.93% +7.5% YoY	3.89% +5.7% YoY	24%
Efficiency Ratio ?	60.39% +1.9% YoY +5.0% QoQ	-4.89%	65.29% -4.5% YoY	64.77% -3.3% YoY	66.95% -4.1% YoY	59%
Delinquency Rate ?	2.67%	+1.79%	0.89% +18.8% YoY	1.04% +28.9% YoY	0.95% +18.8% YoY	Bottom 7.2% in tier
Loan-to-Deposit Ratio ?	100.70% +3.1% YoY -0.4% QoQ	+24.06%	76.64% +0.8% YoY	76.69% -0.4% YoY	76.70% +0.9% YoY	Bottom 7.8% in tier
Non-Interest-Bearing Deposit Share ?	21.37% +8.0% YoY +5.4% QoQ	-0.65%	22.02% -1.0% YoY	21.87% -0.9% YoY	22.01% -1.2% YoY	51%
Nonperforming Asset Ratio ?	2.08%	+1.44%	0.64% +19.7% YoY	0.77% +27.1% YoY	0.67% +19.3% YoY	Bottom 6.2% in tier
Tier 1 Capital Ratio ?	10.55% +1.6% YoY -0.7% QoQ	-5.28%	15.83% +1.5% YoY	15.37% +0.7% YoY	17.06% +0.8% YoY	17%
Non-Interest Income / Assets ?	0.04% -17.4% YoY -78.0% QoQ	-0.24%	0.28% +9.3% YoY	0.16% +5.0% YoY	0.32% +4.1% YoY	Bottom 14.4% 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 (0 metrics)

No strength rankings available

Top Weaknesses (9 metrics)

2499

Nonperforming Asset Ratio

credit_quality

Value: 2.08%

Peer Median: 0.64%

#2499 of 2664 Bottom 6.2% in $100M-$1B

2463

Delinquency Rate

credit_quality

Value: 2.67%

Peer Median: 0.89%

#2463 of 2654 Bottom 7.2% in $100M-$1B

2458

Loan-to-Deposit Ratio

liquidity

Value: 100.70%

Peer Median: 76.64%

#2458 of 2664 Bottom 7.8% in $100M-$1B

2433

Return on Assets

profitability

Value: 0.33%

Peer Median: 1.27%

#2433 of 2664 Bottom 8.7% in $100M-$1B

2347

Total Deposits

size

Value: $120.28M

Peer Median: $327.97M

#2347 of 2664 Bottom 11.9% in $100M-$1B

2282

Non-Interest Income / Assets

revenue_mix

Value: 0.04%

Peer Median: 0.28%

#2282 of 2664 Bottom 14.4% in $100M-$1B

2214

Tier 1 Capital Ratio

capital

Value: 10.55%

Peer Median: 15.83%

#2214 of 2664 Bottom 16.9% in $100M-$1B

2209

Total Assets

size

Value: $159.13M

Peer Median: $386.08M

#2209 of 2664 Bottom 17.1% in $100M-$1B

2020

Net Interest Margin

profitability

Value: 3.35%

Peer Median: 3.93%

#2020 of 2664 Bottom 24.2% in $100M-$1B