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First Southeast Bank

$100M-$1B Specialty: Agricultural MN FDIC cert 10576

Harmony, MN

3 branches across MN

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 151 in MN.
  • Deposits +8.8% year over year ($116.0M on the books).
  • Delinquency rate 0.14%.
  • Return on assets 1.60%.
  • Efficiency ratio 58.23% vs a 64.48% peer average.
  • Loan-to-deposit ratio 117.23% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 151 in MN
View $100M-$1B leaderboard (MN) →

First Southeast Bank has 4 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + ROA 0.27% above tier average
  • + Net Interest Margin 0.13% above tier average
  • + Efficiency Ratio 6.24% below tier average
  • + Delinquency Rate 0.78% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 17.6% in tier
  • - Credit Risk Growth: Bottom 45.3% in tier
  • - Loan-to-Deposit Ratio 39.28% above tier average
Get updates when First Southeast Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Total Assets ? $158.3M
+8.2% YoY +3.0% QoQ
-$228.3M $386.6M
+1.2% YoY
$524.5M
+5.8% YoY
$6.3B
+7.7% YoY
16%
Total Loans ? $136.0M
+10.3% YoY +2.7% QoQ
-$122.3M $258.3M
+1.7% YoY
$300.2M
+7.3% YoY
$3.2B
+9.4% YoY
31%
Total Deposits ? $116.0M
+8.8% YoY +4.0% QoQ
-$210.7M $326.7M
+0.7% YoY
$452.1M
+5.5% YoY
$4.9B
+7.3% YoY
Bottom 10.5% in tier
Return on Assets ? 1.60%
+39.2% YoY +5.4% QoQ
+0.27% 1.32%
+10.8% YoY
1.26%
+17.2% YoY
1.30%
+12.1% YoY
71%
Net Interest Margin ? 4.12%
+9.2% YoY +2.0% QoQ
+0.13% 3.99%
+5.0% YoY
4.00%
+6.8% YoY
3.95%
+4.9% YoY
60%
Efficiency Ratio ? 58.23%
-12.9% YoY -2.3% QoQ
-6.24% 64.48%
-3.2% YoY
63.00%
-3.5% YoY
70.05%
+2.5% YoY
62%
Delinquency Rate ? 0.14%
+236.6% YoY
-0.78% 0.92%
+15.7% YoY
1.01%
+19.3% YoY
0.98%
+16.3% YoY
70%
Loan-to-Deposit Ratio ? 117.23%
+1.3% YoY -1.2% QoQ
+39.28% 77.95%
+1.0% YoY
78.29%
-0.6% YoY
79.03%
+2.3% YoY
Bottom 1.6% in tier
Non-Interest-Bearing Deposit Share ? 25.35%
-2.0% YoY +8.7% QoQ
+3.32% 22.03%
-0.6% YoY
21.79%
+0.9% YoY
21.98%
-0.6% YoY
67%
Nonperforming Asset Ratio ? 0.12%
+243.0% YoY
-0.55% 0.67%
+16.4% YoY
0.76%
+16.9% YoY
0.69%
+15.8% YoY
68%
Tier 1 Capital Ratio ? 9.73%
-1.7% YoY -3.6% QoQ
-6.18% 15.91%
+1.4% YoY
15.35%
-0.4% YoY
17.09%
+0.8% YoY
Bottom 7.3% in tier
Non-Interest Income / Assets ? 0.10%
-24.9% YoY +94.2% QoQ
-0.47% 0.57%
+7.6% YoY
0.31%
+3.9% YoY
0.66%
+5.2% YoY
17%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Noninterest-Bearing 25.4%
-0.5pp YoY
+2.0pp QoQ
 +3.2pp 22.1% 21.9% 22.2% 67%
Brokered Deposits 10.5%
+0.1pp YoY
-0.1pp QoQ
 +2.6pp 7.9% 8.3% 8.5% 76%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
C&I 12.0%
+0.5pp YoY
-0.5pp QoQ
 +0.5pp 11.6% 14.6% 12.5% 63%
CRE 16.5%
+0.6pp YoY
-0.6pp QoQ
 -23.1pp 39.5% 36.5% 41.4% 12%
1-4 Family 10.3%
-0.1pp YoY
-0.2pp QoQ
 -22.3pp 32.6% 29.4% 31.3% 11%
Consumer 3.6%
-0.3pp YoY
0.0pp QoQ
 -0.5pp 4.1% 4.5% 5.0% 66%

Capital

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
CET1 Ratio 9.7%
-0.2pp YoY
-0.4pp QoQ
 -9.1pp 18.8% 16.5% 19.7% 1%
Leverage Ratio 8.4%
0.0pp YoY
-0.1pp QoQ
 -3.7pp 12.2% 11.0% 12.6% 5%
Total Capital Ratio 10.7%
-0.1pp YoY
-0.3pp QoQ
 -9.2pp 19.9% 17.6% 20.8% 1%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Full-Time Employees 21
0 YoY
-1 (-4.5%) QoQ
 -38 58 55 482 12%
Assets per Employee ($) $7.5M
+8.2% YoY
+7.9% QoQ
 +$19K $7.5M $8.6M $8.8M 61%
Branch Count 3
0 YoY
0 QoQ
 -2 4 4 18 26%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Past Due 90+ Days 0.1%
+0.1pp YoY
+0.1pp QoQ
 -0.2pp 0.3% 0.4% 0.4% 58%
Nonaccrual n/a n/a 0.9% 1.0% 1.0% n/a
Allowance Coverage 6.77x
-67.5% YoY
-96.2% QoQ
 -17.39x 24.15x 20.41x 20.23x 76%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.2% 0.2% 15%

Profitability

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
ROE 21.0%
+4.1pp YoY
+1.1pp QoQ
 +8.8pp 12.2% 13.1% 11.6% 90%
Cost of Funds (YTD) 1.9%
-0.1pp YoY
0.0pp QoQ
 +0.2pp 1.7% 1.7% 1.7% 66%
Net Income ($, YTD) $1.2M
+53.1% YoY
— QoQ
 -$1.3M $2.6M $4.5M $40.4M 34%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Credit Quality Pressure

risk
#222 of 1256 • Bottom 17.6% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.14%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank declining

Credit Risk Growth

risk
#425 of 936 • Bottom 45.3% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (5 metrics)

2602
Loan-to-Deposit Ratio
liquidity
Value: 117.23%
Peer Median: 77.95%
#2602 of 2643 Bottom 1.6% in $100M-$1B
2450
Tier 1 Capital Ratio
capital
Value: 9.73%
Peer Median: 15.91%
#2450 of 2643 Bottom 7.3% in $100M-$1B
2367
Total Deposits
size
Value: $116.04M
Peer Median: $326.73M
#2367 of 2643 Bottom 10.5% in $100M-$1B
2209
Total Assets
size
Value: $158.29M
Peer Median: $386.57M
#2209 of 2643 Bottom 16.5% in $100M-$1B
2189
Non-Interest Income / Assets
revenue_mix
Value: 0.10%
Peer Median: 0.57%
#2189 of 2643 Bottom 17.2% in $100M-$1B
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