First Security Bank
Byron, MN · Cert 9728 · Peer group: banks under $1B in assets (n=581-629) · Olmsted Bcorp Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
$161.7MAssets
$121.6MLoans
$121.6MDeposits
$11.4MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 80% of banks under $1B in assets (rank 128 of 629).
- Widest gap: equity / assets trails 94% of banks under $1B in assets (rank 593 of 629).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.81%
Rank 412 of 629
Net Interest Margin
3.35%
Rank 378 of 629
Efficiency Ratio
55.75%
Rank 128 of 629
Equity / Assets
7.03%
Rank 593 of 629
Non-interest income vs. expense
Unfavorable gap of $2.8M · efficiency ratio beats 80% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.81% | 0.60% | 1.01% | 1.45% | Beats 34% | 412 / 629 | |
| Return on Equity | 11.52% | 5.38% | 9.30% | 13.28% | Beats 63% | 230 / 629 | |
| Net Interest Margin | 3.35% | 3.03% | 3.54% | 4.05% | Beats 40% | 378 / 629 | |
| Efficiency Ratio | 55.75% | 58.35% | 67.79% | 79.08% | Beats 80% | 128 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.63% | 0.09% | 0.46% | 1.20% | Beats 9% | 530 / 581 | |
| Net Charge-Offs / Loans | 0.07% | n/a | 0.01% | 0.06% | Beats 23% | 448 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 10.82% | 11.24% | 13.84% | 18.77% | Beats 19% | 507 / 629 | |
| Total Risk-Based Capital Ratio | 12.08% | 11.58% | 14.43% | 19.66% | Beats 29% | 445 / 629 | |
| Equity / Assets | 7.03% | 9.09% | 10.65% | 13.80% | Beats 6% | 593 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 100.00% | 67.24% | 80.90% | 93.48% | 87th pctl | 80 / 594 | |
| Loans / Assets | 75.19% | 53.31% | 67.71% | 78.15% | 66th pctl | 211 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |