BlastPoint's Banking Scorecard

Security State Bank of Warroad

$100M-$1B Specialty: Agricultural MN FDIC cert 9773

Warroad, MN

2 branches across MN

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 151 in MN.
Deposits -4.4% year over year ($119.9M on the books).
Delinquency rate 4.30%.
Return on assets 0.69%.
Efficiency ratio 69.86% vs a 64.48% peer average.
Loan-to-deposit ratio 56.34% 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 151 in MN

View $100M-$1B leaderboard (MN) →

Security State Bank of Warroad faces 6 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

- Delinquency Rate 3.38% above tier average
- Nonperforming Asset Ratio 1.43% above tier average
- Non-Interest Income / Assets 0.56% below tier average
- ROA 0.63% below tier average
- Net Interest Margin 0.30% below tier average
- Efficiency Ratio 5.38% above tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Total Assets ?	$138.3M -2.3% YoY -3.2% QoQ	-$248.2M	$386.6M +1.2% YoY	$524.5M +5.8% YoY	$6.3B +7.7% YoY	Bottom 10.7% in tier
Total Loans ?	$67.6M +3.1% YoY +0.0% QoQ	-$190.8M	$258.3M +1.7% YoY	$300.2M +7.3% YoY	$3.2B +9.4% YoY	Bottom 6.5% in tier
Total Deposits ?	$119.9M -4.4% YoY -4.4% QoQ	-$206.8M	$326.7M +0.7% YoY	$452.1M +5.5% YoY	$4.9B +7.3% YoY	Bottom 11.7% in tier
Return on Assets ?	0.69% +19.0% YoY -0.7% QoQ	-0.63%	1.32% +10.8% YoY	1.26% +17.2% YoY	1.30% +12.1% YoY	19%
Net Interest Margin ?	3.68% +5.7% YoY +2.8% QoQ	-0.30%	3.99% +5.0% YoY	4.00% +6.8% YoY	3.95% +4.9% YoY	36%
Efficiency Ratio ?	69.86% -6.2% YoY +0.0% QoQ	+5.38%	64.48% -3.2% YoY	63.00% -3.5% YoY	70.05% +2.5% YoY	30%
Delinquency Rate ?	4.30% +157.1% YoY -1.3% QoQ	+3.38%	0.92% +15.7% YoY	1.01% +19.3% YoY	0.98% +16.3% YoY	Bottom 3.4% in tier
Loan-to-Deposit Ratio ?	56.34% +7.8% YoY +4.6% QoQ	-21.61%	77.95% +1.0% YoY	78.29% -0.6% YoY	79.03% +2.3% YoY	Top 13.7% in tier
Non-Interest-Bearing Deposit Share ?	30.57% +5.8% YoY -1.0% QoQ	+8.54%	22.03% -0.6% YoY	21.79% +0.9% YoY	21.98% -0.6% YoY	84%
Nonperforming Asset Ratio ?	2.10% +171.1% YoY +2.0% QoQ	+1.43%	0.67% +16.4% YoY	0.76% +16.9% YoY	0.69% +15.8% YoY	Bottom 6.4% in tier
Tier 1 Capital Ratio ?	16.41% +5.7% YoY +2.2% QoQ	+0.50%	15.91% +1.4% YoY	15.35% -0.4% YoY	17.09% +0.8% YoY	74%
Non-Interest Income / Assets ?	0.01% +2.3% YoY +77.1% QoQ	-0.56%	0.57% +7.6% YoY	0.31% +3.9% YoY	0.66% +5.2% YoY	Bottom 0.9% in tier

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 (MN)	National Avg	Tier Percentile
Noninterest-Bearing	30.6% +1.7pp YoY -0.3pp QoQ	+8.4pp	22.1%	21.9%	22.2%	84%
Brokered Deposits	5.1% -4.6pp YoY -3.0pp QoQ	-2.8pp	7.9%	8.3%	8.5%	53%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
C&I	27.8% -3.8pp YoY -1.6pp QoQ	+16.2pp	11.6%	14.6%	12.5%	95%
CRE	n/a	n/a	39.5%	36.5%	41.4%	n/a
1-4 Family	1.4% -0.2pp YoY 0.0pp QoQ	-31.2pp	32.6%	29.4%	31.3%	1%
Consumer	22.3% -0.1pp YoY +0.3pp QoQ	+18.2pp	4.1%	4.5%	5.0%	98%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	16.5%	19.7%	n/a
Leverage Ratio	16.4% +0.9pp YoY +0.3pp QoQ	+4.2pp	12.2%	11.0%	12.6%	92%
Total Capital Ratio	n/a	n/a	19.9%	17.6%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Full-Time Employees	16 0 YoY +1 (+6.7%) QoQ	-43	58	55	482	5%
Assets per Employee ($)	$8.6M -2.3% YoY -9.3% QoQ	+$1.1M	$7.5M	$8.6M	$8.8M	76%
Branch Count	2 0 YoY 0 QoQ	-3	4	4	18	11%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Past Due 90+ Days	4.3% +2.6pp YoY -0.1pp QoQ	+4.0pp	0.3%	0.4%	0.4%	100%
Nonaccrual	n/a	n/a	0.9%	1.0%	1.0%	n/a
Allowance Coverage	0.71x -59.6% YoY -3.2% QoQ	-23.44x	24.15x	20.41x	20.23x	18%
Net Charge-off Rate (YTD)	0.1% -0.1pp YoY +0.6pp QoQ	-0.1pp	0.1%	0.2%	0.2%	71%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
ROE	5.7% +0.1pp YoY -0.2pp QoQ	-6.5pp	12.2%	13.1%	11.6%	16%
Cost of Funds (YTD)	1.3% -0.2pp YoY 0.0pp QoQ	-0.5pp	1.7%	1.7%	1.7%	22%
Net Income ($, YTD)	$486,000 +16.5% YoY — QoQ	-$2.1M	$2.6M	$4.5M	$40.4M	10%

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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 2643 peers in $100M-$1B

Top Strengths (2 metrics)

363

Loan-to-Deposit Ratio

liquidity

Value: 56.34%

Peer Median: 77.95%

#363 of 2643 Top 13.7% in $100M-$1B

434

Non-Interest-Bearing Deposit Share

funding

Value: 30.57%

Peer Median: 22.03%

#434 of 2643 Top 16.4% in $100M-$1B

Top Weaknesses (7 metrics)

2621

Non-Interest Income / Assets

revenue_mix

Value: 0.01%

Peer Median: 0.57%

#2621 of 2643 Bottom 0.9% in $100M-$1B

2545

Delinquency Rate

credit_quality

Value: 4.30%

Peer Median: 0.92%

#2545 of 2633 Bottom 3.4% in $100M-$1B

2474

Nonperforming Asset Ratio

credit_quality

Value: 2.10%

Peer Median: 0.67%

#2474 of 2643 Bottom 6.4% in $100M-$1B

2473

Total Loans

size

Value: $67.56M

Peer Median: $258.35M

#2473 of 2643 Bottom 6.5% in $100M-$1B

2362

Total Assets

size

Value: $138.35M

Peer Median: $386.57M

#2362 of 2643 Bottom 10.7% in $100M-$1B

2334

Total Deposits

size

Value: $119.91M

Peer Median: $326.73M

#2334 of 2643 Bottom 11.7% in $100M-$1B

2151

Return on Assets

profitability

Value: 0.69%

Peer Median: 1.32%

#2151 of 2643 Bottom 18.7% in $100M-$1B