Harmony, MN · Cert 10576 · First Southeastern Banc Group
State charter, non-member · FDIC · 3 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
10
Asset Quality
86
Profitability
71
Liquidity
0
Efficiency
67
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Harmony, MN · Cert 10576 · First Southeastern Banc Group
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · Rochester, MN · 2026 SOD (annual) · 1.5% share · #18 of 34 inst. · $0.1B of $7.6B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.76% | 0.74% | 0.81% | 0.90% | 0.96% | 1.02% | 1.19% | 1.25% | +35 bps | |
| Return on Equity | 12.37% | 12.23% | 12.41% | 13.29% | 13.78% | 14.38% | 15.64% | 16.49% | +320 bps | |
| Net Interest Margin | 3.44% | 3.44% | 3.51% | 3.54% | 3.50% | 3.58% | 3.88% | 3.93% | +39 bps | |
| Efficiency Ratio | 72.43% | 72.39% | 69.41% | 66.85% | 64.03% | 63.29% | 59.60% | 58.23% | -862 bps | |
| Non-Interest Burden | 2.41% | 2.43% | 2.36% | 2.28% | 2.15% | 2.20% | 2.23% | 2.21% | -7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.43% | 7.69% | 9.38% | 13.34% | 13.59% | 12.20% | 9.58% | 8.20% | -513 bps | |
| Loan Growth (YoY) | 16.69% | 18.26% | 15.35% | 17.49% | 17.48% | 15.06% | 12.80% | 10.36% | -713 bps | |
| Deposit Growth (YoY) | 12.56% | -4.49% | 5.86% | 3.94% | 0.30% | 13.32% | 1.29% | 8.84% | +490 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.04% | 0.04% | 0.00% | 0.01% | 0.14% | +10 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | -0.01% | -0.01% | -1 bps | |
| Allowance / Loans | 0.86% | 0.87% | 0.87% | 0.87% | 0.92% | 0.90% | 0.92% | 0.95% | +8 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 20.8x | 23.5x | n/a | 176.4x | 6.8x | -14.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 7.38% | 7.31% | 8.38% | 8.38% | 8.38% | 8.31% | 8.57% | 8.42% | +4 bps | |
| Total Risk-Based Capital | 10.02% | 9.53% | 10.86% | 10.79% | 10.84% | 10.54% | 11.05% | 10.70% | -9 bps | |
| Equity / Assets | 6.29% | 5.83% | 7.17% | 7.32% | 7.51% | 7.45% | 7.78% | 7.57% | +26 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 99.04% | 111.75% | 107.53% | 116.72% | 116.01% | 113.47% | 119.75% | 118.35% | +163 bps | |
| Liquid Assets / Assets | 1.51% | 1.27% | 1.97% | 1.85% | 1.84% | 1.77% | 1.70% | 1.64% | -22 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 171.00% | 172.11% | 172.31% | n/a | n/a | |
Harmony, MN · Cert 10576 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · First Southeastern Banc Group
State charter, non-member · FDIC · 3 branches
Q2 2026
Return on Assets
1.23%
Rank 276 of 746
Net Interest Margin
3.93%
Rank 280 of 746
Efficiency Ratio
58.23%
Rank 244 of 746
Equity / Assets
7.57%
Rank 675 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.23% | 0.72% | 1.06% | 1.45% | Beats 63% | 276 / 746 | ||
| Return on Equity | 16.28% | 6.74% | 10.51% | 13.63% | Beats 88% | 86 / 746 | ||
| Net Interest Margin | 3.93% | 3.17% | 3.68% | 4.16% | Beats 62% | 280 / 746 | ||
| Efficiency Ratio | 58.23% | 55.74% | 64.58% | 75.47% | Beats 67% | 244 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.14% | 0.09% | 0.42% | 1.07% | Beats 71% | 217 / 743 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.73% | 11.55% | 13.75% | 17.60% | Beats 4% | 714 / 746 | ||
| Total Risk-Based Capital Ratio | 10.70% | 11.71% | 14.33% | 18.43% | Beats 15% | 636 / 746 | ||
| Equity / Assets | 7.57% | 8.90% | 10.51% | 13.06% | Beats 10% | 675 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 118.35% | 61.31% | 78.27% | 90.78% | 98th pctl | 13 / 746 | ||
| Loans / Assets | 86.77% | 53.60% | 66.97% | 76.08% | 97th pctl | 21 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||