First Security Bank - Hendricks
Hendricks, MN · Cert 15767 · Peer group: banks under $1B in assets in MN (n=119-121)
FDIC · 1 branch
Q2 2025
$40.3MAssets
$14.8MLoans
$35.7MDeposits
$4.5MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in MN (rank 21 of 119).
- Widest gap: net interest margin trails 77% of banks under $1B in assets in MN (rank 93 of 121).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
1.99%
Rank 5 of 121
Net Interest Margin
3.13%
Rank 93 of 121
Efficiency Ratio
47.57%
Rank 8 of 121
Equity / Assets
11.16%
Rank 40 of 121
Non-interest income vs. expense
Unfavorable gap of $566K · efficiency ratio beats 94% of banks under $1B in assets in MN | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.99% | 0.66% | 1.01% | 1.31% | Beats 96% | 5 / 121 | |
| Return on Equity | 17.78% | 7.17% | 10.35% | 12.66% | Beats 95% | 6 / 121 | |
| Net Interest Margin | 3.13% | 3.16% | 3.61% | 4.11% | Beats 23% | 93 / 121 | |
| Efficiency Ratio | 47.57% | 57.71% | 63.44% | 72.50% | Beats 94% | 8 / 121 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.03% | 0.36% | 1.18% | Beats 100% | 21 / 119 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.05% | Beats 100% | 44 / 119 | |
| Capital |
| Tier 1 Capital Ratio | 29.99% | 11.31% | 13.44% | 18.02% | Beats 91% | 11 / 121 | |
| Total Risk-Based Capital Ratio | 30.86% | 11.99% | 14.57% | 19.27% | Beats 91% | 11 / 121 | |
| Equity / Assets | 11.16% | 8.03% | 9.63% | 11.71% | Beats 67% | 40 / 121 | |
| Liquidity & Funding |
| Loans / Deposits | 41.48% | 62.21% | 77.25% | 88.14% | 4th pctl | 114 / 119 | |
| Loans / Assets | 36.75% | 53.50% | 66.63% | 76.08% | 5th pctl | 113 / 119 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |