BlastPoint's Banking Scorecard
First Southeast Bank
Micro
Specialty: Agricultural
MN
FDIC cert 10576
Designations: ✓ Community bank
Harmony, MN
2498
banks in Micro tier nationally
179 in MN
View Micro leaderboard (MN) →
First Southeast Bank has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 37.92% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$155.1M
+12.2% YoY
+3.6% QoQ
|
-$62.4M |
$217.5M
+2.3% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
40% |
| Total Loans ? |
$131.8M
+15.0% YoY
+3.6% QoQ
|
-$7.4M |
$139.2M
+2.8% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
54% |
| Total Deposits ? |
$117.2M
+13.3% YoY
+5.9% QoQ
|
-$66.5M |
$183.7M
+1.8% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
35% |
| Return on Assets ? |
1.29%
+37.7% YoY
+5.5% QoQ
|
+0.21% |
1.08%
+14.7% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
64% |
| Net Interest Margin ? |
3.92%
+5.6% YoY
+3.0% QoQ
|
+0.07% |
3.85%
+6.6% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
55% |
| Efficiency Ratio ? |
63.29%
-12.6% YoY
-1.2% QoQ
|
-4.43% |
67.73%
-4.8% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
58% |
| Delinquency Rate ? |
0.00%
-100.0% QoQ
|
-0.64% |
0.64%
+24.4% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
112.45%
+1.5% YoY
-2.2% QoQ
|
+37.92% |
74.53%
+0.5% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
Bottom 3% in tier |
| Non-Interest-Bearing Deposit Share ? |
26.94%
-3.5% YoY
+7.6% QoQ
|
+4.55% |
22.39%
-1.3% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
70% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% QoQ
|
-0.45% |
0.45%
+25.1% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
9.62%
+11.4% YoY
-2.8% QoQ
|
+0.77% |
8.85%
-3.4% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.19%
-15.8% YoY
-6.4% QoQ
|
-0.38% |
0.56%
+0.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
21% |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 3%
in Micro
Why this stands out
Current:
112.45%
(Tier avg: 74.53%, National avg: 78.04%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
70
70th pctile
Non-Interest-Bearing Deposit Share
Current: 26.94% · Tier avg: 22.39%
64
64th pctile
Return on Assets
Current: 1.29% · Tier avg: 1.08%
58
58th pctile
Efficiency Ratio
Current: 63.29% · Tier avg: 67.73%
55
55th pctile
Net Interest Margin
Current: 3.92% · Tier avg: 3.85%
54
54th pctile
Total Loans
Current: $131.8M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 9.62% · Tier avg: 8.85%
40
40th pctile
Total Assets
Current: $155.1M · Tier avg: $217.5M
35
35th pctile
Total Deposits
Current: $117.2M · Tier avg: $183.7M
21
21th pctile
Non-Interest Income / Assets
Current: 0.19% · Tier avg: 0.56%
3
3th pctile
Loan-to-Deposit Ratio
Current: 112.45% · Tier avg: 74.53%
Top Weaknesses
3
3th pctile
Loan-to-Deposit Ratio
Current: 112.45% · Tier avg: 74.53%
21
21th pctile
Non-Interest Income / Assets
Current: 0.19% · Tier avg: 0.56%
35
35th pctile
Total Deposits
Current: $117.2M · Tier avg: $183.7M
40
40th pctile
Total Assets
Current: $155.1M · Tier avg: $217.5M
51
51th pctile
Tier 1 Capital Ratio
Current: 9.62% · Tier avg: 8.85%
54
54th pctile
Total Loans
Current: $131.8M · Tier avg: $139.2M
55
55th pctile
Net Interest Margin
Current: 3.92% · Tier avg: 3.85%
58
58th pctile
Efficiency Ratio
Current: 63.29% · Tier avg: 67.73%
64
64th pctile
Return on Assets
Current: 1.29% · Tier avg: 1.08%
70
70th pctile
Non-Interest-Bearing Deposit Share
Current: 26.94% · Tier avg: 22.39%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%