BlastPoint's Banking Scorecard
Security State Bank of Warroad
Warroad, MN
2 branches across MN
Security State Bank of Warroad faces 7 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 45.5% in tier
- - Delinquency Rate 3.47% above tier average
- - Nonperforming Asset Ratio 1.42% above tier average
- - Non-Interest Income / Assets 0.28% below tier average
- - ROA 0.58% below tier average
- - Net Interest Margin 0.35% below tier average
- - Efficiency Ratio 4.57% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$142.9M
-2.5% YoY
+0.9% QoQ
|
-$243.1M |
$386.1M
+0.5% YoY
|
$512.9M
+5.5% YoY
|
$6.2B
+9.1% YoY
|
Bottom 12.1% in tier |
| Total Loans ? |
$67.5M
+5.1% YoY
+4.1% QoQ
|
-$188.2M |
$255.7M
+1.1% YoY
|
$288.3M
+6.9% YoY
|
$3.2B
+10.8% YoY
|
Bottom 6.7% in tier |
| Total Deposits ? |
$125.4M
-4.5% YoY
+1.0% QoQ
|
-$202.6M |
$328.0M
+0.1% YoY
|
$443.8M
+5.0% YoY
|
$4.8B
+8.2% YoY
|
Bottom 13.7% in tier |
| Return on Assets ? |
0.69%
+22.3% YoY
-4.6% QoQ
|
-0.58% |
1.27%
+12.9% YoY
|
1.13%
+10.7% YoY
|
1.23%
+13.4% YoY
|
21% |
| Net Interest Margin ? |
3.58%
+6.2% YoY
-1.4% QoQ
|
-0.35% |
3.93%
+6.0% YoY
|
3.93%
+7.5% YoY
|
3.89%
+5.7% YoY
|
35% |
| Efficiency Ratio ? |
69.85%
-4.6% YoY
+2.7% QoQ
|
+4.57% |
65.29%
-4.5% YoY
|
64.77%
-3.3% YoY
|
66.95%
-4.1% YoY
|
32% |
| Delinquency Rate ? |
4.36%
+655.3% YoY
+274.2% QoQ
|
+3.47% |
0.89%
+18.8% YoY
|
1.04%
+28.9% YoY
|
0.95%
+18.8% YoY
|
Bottom 2.8% in tier |
| Loan-to-Deposit Ratio ? |
53.85%
+10.0% YoY
+3.0% QoQ
|
-22.79% |
76.64%
+0.8% YoY
|
76.69%
-0.4% YoY
|
76.70%
+0.9% YoY
|
Top 12.5% in tier |
| Non-Interest-Bearing Deposit Share ? |
30.88%
+3.0% YoY
-1.8% QoQ
|
+8.86% |
22.02%
-1.0% YoY
|
21.87%
-0.9% YoY
|
22.01%
-1.2% YoY
|
84% |
| Nonperforming Asset Ratio ? |
2.06%
+713.5% YoY
+286.1% QoQ
|
+1.42% |
0.64%
+19.7% YoY
|
0.77%
+27.1% YoY
|
0.67%
+19.3% YoY
|
Bottom 6.3% in tier |
| Tier 1 Capital Ratio ? |
16.06%
+5.2% YoY
+2.7% QoQ
|
+0.23% |
15.83%
+1.5% YoY
|
15.37%
+0.7% YoY
|
17.06%
+0.8% YoY
|
73% |
| Non-Interest Income / Assets ? |
0.00%
+2.5% YoY
-74.3% QoQ
|
-0.28% |
0.28%
+9.3% YoY
|
0.16%
+5.0% YoY
|
0.32%
+4.1% YoY
|
Bottom 0.9% in tier |
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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 (0)
Concerns (1)
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.