First Southeast Bank
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
$158.3MAssets
$137.3MLoans
$116.0MDeposits
$12.0MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 185 of 743).
- Widest gap: tier 1 capital ratio trails 96% of banks under $1B in assets operating in a single state (rank 714 of 746).
- Overall: at or above the peer median on 6 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $3.4M · efficiency ratio beats 67% of banks under $1B in assets operating in a single state | 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 |