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 | |