Canby, MN · Cert 5107 · First Sleepy Eye Bcorp Inc.
State charter, non-member · FDIC · 1 affiliate bank · 2 branches (7 in holding)
Q2 2026
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.08% | 1.49% | 1.49% | 1.60% | 1.64% | +56 bps | |
| Return on Equity | 8.64% | 11.69% | 11.53% | 11.78% | 11.81% | +317 bps | |
| Net Interest Margin | 3.58% | 3.71% | 3.78% | 3.97% | 3.95% | +37 bps | |
| Efficiency Ratio | 54.83% | 49.40% | 51.01% | 50.28% | 49.89% | -494 bps | |
| Non-Interest Burden | 1.76% | 1.50% | 1.64% | 1.80% | 1.78% | +2 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.55% | 1.86% | 7.99% | 4.92% | 5.52% | +397 bps | |
| Loan Growth (YoY) | -0.59% | -6.65% | -0.01% | -5.66% | -0.34% | +25 bps | |
| Deposit Growth (YoY) | 0.73% | 1.64% | 7.74% | 4.14% | 3.49% | +276 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.80% | 0.05% | 0.05% | 0.08% | +8 bps | |
| Net Charge-Offs / Loans | 0.44% | 0.29% | 0.21% | 0.00% | 0.00% | -44 bps | |
| Allowance / Loans | 1.15% | 1.17% | 1.15% | 1.21% | 1.15% | 0 bps | |
| Allowance Coverage of NPLs | n/a | 1.5x | 23.5x | 23.2x | 13.7x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.56% | 13.25% | 13.56% | 13.85% | 14.06% | +150 bps | |
| Total Risk-Based Capital | 21.14% | 22.01% | 23.47% | 25.28% | 25.87% | +473 bps | |
| Equity / Assets | 12.59% | 13.56% | 13.49% | 13.72% | 14.52% | +194 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 54.43% | 53.88% | 52.85% | 49.25% | 52.42% | -201 bps | |
| Liquid Assets / Assets | 18.96% | 19.70% | 20.32% | 16.89% | 15.89% | -307 bps | |
| CRE / Total Capital | n/a | 50.69% | 36.84% | 37.61% | n/a | n/a | |