BlastPoint's Banking Scorecard
First Security Bank - Sleepy Eye
Micro
Specialty: Agricultural
MN
FDIC cert 5252
Designations: ✓ Community bank
Sleepy Eye, MN
2498
banks in Micro tier nationally
179 in MN
View Micro leaderboard (MN) →
First Security Bank - Sleepy Eye has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 45.60% below tier
- + Non-Interest-Bearing Deposit Share 19.60% above tier
- + Tier 1 Capital Ratio 28.82% above tier
Key Concerns
Areas that may need attention
- - Return on Assets 1.04% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$193.1M
+3.3% YoY
+3.9% QoQ
|
-$24.4M |
$217.5M
+2.3% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
49% |
| Total Loans ? |
$47.8M
-12.5% YoY
-9.5% QoQ
|
-$91.4M |
$139.2M
+2.8% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
19% |
| Total Deposits ? |
$165.2M
+1.9% YoY
+3.7% QoQ
|
-$18.4M |
$183.7M
+1.8% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
50% |
| Return on Assets ? |
0.05%
-97.7% YoY
+111.4% QoQ
|
-1.04% |
1.08%
+14.7% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
Bottom 7% in tier |
| Net Interest Margin ? |
3.83%
+23.7% YoY
+0.7% QoQ
|
-0.02% |
3.85%
+6.6% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
51% |
| Efficiency Ratio ? |
57.67%
+55.7% YoY
-3.9% QoQ
|
-10.05% |
67.73%
-4.8% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
73% |
| Delinquency Rate ? |
1.90%
+9.9% QoQ
|
+1.26% |
0.64%
+24.4% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
Bottom 14% in tier |
| Loan-to-Deposit Ratio ? |
28.93%
-14.2% YoY
-12.8% QoQ
|
-45.60% |
74.53%
+0.5% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
Top 2% in tier |
| Non-Interest-Bearing Deposit Share ? |
41.99%
-3.6% YoY
+8.6% QoQ
|
+19.60% |
22.39%
-1.3% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
Top 6% in tier |
| Nonperforming Asset Ratio ? |
0.47%
-4.3% QoQ
|
+0.02% |
0.45%
+25.1% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
39% |
| Tier 1 Capital Ratio ? |
37.67%
+4.8% YoY
+9.2% QoQ
|
+28.82% |
8.85%
-3.4% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
Top 1% in tier |
| Non-Interest Income / Assets ? |
0.31%
-88.6% YoY
+25.9% QoQ
|
-0.26% |
0.56%
+0.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
42% |
Signature Analysis
Strengths (3)
Loan-to-Deposit Ratio
metric
Top 2%
in Micro
Why this stands out
Current:
28.93%
(Tier avg: 74.53%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Top 6%
in Micro
Why this stands out
Current:
41.99%
(Tier avg: 22.39%, National avg: 21.79%)
Tier 1 Capital Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
37.67%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (1)
Return on Assets
metric
Bottom 7%
in Micro
Why this stands out
Current:
0.05%
(Tier avg: 1.08%, National avg: 1.12%)
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
99
99th pctile
Tier 1 Capital Ratio
Current: 37.67% · Tier avg: 8.85%
98
98th pctile
Loan-to-Deposit Ratio
Current: 28.93% · Tier avg: 74.53%
94
94th pctile
Non-Interest-Bearing Deposit Share
Current: 41.99% · Tier avg: 22.39%
73
73th pctile
Efficiency Ratio
Current: 57.67% · Tier avg: 67.73%
51
51th pctile
Net Interest Margin
Current: 3.83% · Tier avg: 3.85%
50
50th pctile
Total Deposits
Current: $165.2M · Tier avg: $183.7M
49
49th pctile
Total Assets
Current: $193.1M · Tier avg: $217.5M
42
42th pctile
Non-Interest Income / Assets
Current: 0.31% · Tier avg: 0.56%
39
39th pctile
Nonperforming Asset Ratio
Current: 0.47% · Tier avg: 0.45%
19
19th pctile
Total Loans
Current: $47.8M · Tier avg: $139.2M
14
14th pctile
Delinquency Rate
Current: 1.90% · Tier avg: 0.64%
7
7th pctile
Return on Assets
Current: 0.05% · Tier avg: 1.08%
Top Weaknesses
7
7th pctile
Return on Assets
Current: 0.05% · Tier avg: 1.08%
14
14th pctile
Delinquency Rate
Current: 1.90% · Tier avg: 0.64%
19
19th pctile
Total Loans
Current: $47.8M · Tier avg: $139.2M
39
39th pctile
Nonperforming Asset Ratio
Current: 0.47% · Tier avg: 0.45%
42
42th pctile
Non-Interest Income / Assets
Current: 0.31% · Tier avg: 0.56%
49
49th pctile
Total Assets
Current: $193.1M · Tier avg: $217.5M
50
50th pctile
Total Deposits
Current: $165.2M · Tier avg: $183.7M
51
51th pctile
Net Interest Margin
Current: 3.83% · Tier avg: 3.85%
73
73th pctile
Efficiency Ratio
Current: 57.67% · Tier avg: 67.73%
94
94th pctile
Non-Interest-Bearing Deposit Share
Current: 41.99% · Tier avg: 22.39%
98
98th pctile
Loan-to-Deposit Ratio
Current: 28.93% · Tier avg: 74.53%
99
99th pctile
Tier 1 Capital Ratio
Current: 37.67% · Tier avg: 8.85%