BlastPoint's Banking Scorecard
First Security Bank - Sleepy Eye
Sleepy Eye, 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 +0.8% year over year ($153.3M on the books).
- Delinquency rate 2.64%.
- Return on assets 1.54%.
- Efficiency ratio 56.77% vs a 64.48% peer average.
- Loan-to-deposit ratio 25.39% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First Security Bank - Sleepy Eye has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 17.12% above tier average
- + ROA 0.22% above tier average
- + Efficiency Ratio 7.71% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.72% above tier average
- - Net Interest Margin 0.48% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$182.8M
+2.9% YoY
-3.4% QoQ
|
-$203.8M |
$386.6M
+1.2% YoY
|
$524.5M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
22% |
| Total Loans ? |
$38.9M
-29.0% YoY
-8.6% QoQ
|
-$219.4M |
$258.3M
+1.7% YoY
|
$300.2M
+7.3% YoY
|
$3.2B
+9.4% YoY
|
Bottom 1.2% in tier |
| Total Deposits ? |
$153.3M
+0.8% YoY
-4.7% QoQ
|
-$173.4M |
$326.7M
+0.7% YoY
|
$452.1M
+5.5% YoY
|
$4.9B
+7.3% YoY
|
22% |
| Return on Assets ? |
1.54%
+215.6% YoY
+9.1% QoQ
|
+0.22% |
1.32%
+10.8% YoY
|
1.26%
+17.2% YoY
|
1.30%
+12.1% YoY
|
68% |
| Net Interest Margin ? |
3.51%
-10.1% YoY
+5.5% QoQ
|
-0.48% |
3.99%
+5.0% YoY
|
4.00%
+6.8% YoY
|
3.95%
+4.9% YoY
|
28% |
| Efficiency Ratio ? |
56.77%
-3.2% YoY
-2.5% QoQ
|
-7.71% |
64.48%
-3.2% YoY
|
63.00%
-3.5% YoY
|
70.05%
+2.5% YoY
|
67% |
| Delinquency Rate ? |
2.64%
-56.4% QoQ
|
+1.72% |
0.92%
+15.7% YoY
|
1.01%
+19.3% YoY
|
0.98%
+16.3% YoY
|
Bottom 7.8% in tier |
| Loan-to-Deposit Ratio ? |
25.39%
-29.5% YoY
-4.2% QoQ
|
-52.57% |
77.95%
+1.0% YoY
|
78.29%
-0.6% YoY
|
79.03%
+2.3% YoY
|
Top 1.2% in tier |
| Non-Interest-Bearing Deposit Share ? |
39.15%
-4.5% YoY
+7.6% QoQ
|
+17.12% |
22.03%
-0.6% YoY
|
21.79%
+0.9% YoY
|
21.98%
-0.6% YoY
|
Top 5.6% in tier |
| Nonperforming Asset Ratio ? |
0.56%
-58.8% QoQ
|
-0.11% |
0.67%
+16.4% YoY
|
0.76%
+16.9% YoY
|
0.69%
+15.8% YoY
|
36% |
| Tier 1 Capital Ratio ? |
48.24%
+46.2% YoY
+14.3% QoQ
|
+32.33% |
15.91%
+1.4% YoY
|
15.35%
-0.4% YoY
|
17.09%
+0.8% YoY
|
Top 0.9% in tier |
| Non-Interest Income / Assets ? |
0.14%
-14.2% YoY
+102.3% QoQ
|
-0.42% |
0.57%
+7.6% YoY
|
0.31%
+3.9% YoY
|
0.66%
+5.2% YoY
|
33% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
39.1%
-1.8pp YoY +2.8pp QoQ |
+17.0pp | 22.1% | 21.9% | 22.2% | 94% |
| Brokered Deposits | n/a | n/a | 7.9% | 8.3% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
19.9%
-2.5pp YoY -5.9pp QoQ |
+8.4pp | 11.6% | 14.6% | 12.5% | 88% |
| CRE |
18.0%
+0.3pp YoY +1.3pp QoQ |
-21.6pp | 39.5% | 36.5% | 41.4% | 15% |
| 1-4 Family |
16.4%
+4.4pp YoY +2.2pp QoQ |
-16.2pp | 32.6% | 29.4% | 31.3% | 22% |
| Consumer |
4.4%
+0.3pp YoY 0.0pp QoQ |
+0.3pp | 4.1% | 4.5% | 5.0% | 73% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
48.2%
+15.2pp YoY +6.0pp QoQ |
+29.4pp | 18.8% | 16.5% | 19.7% | 98% |
| Leverage Ratio |
15.3%
+1.0pp YoY +0.4pp QoQ |
+3.1pp | 12.2% | 11.0% | 12.6% | 88% |
| Total Capital Ratio |
49.3%
+15.3pp YoY +6.2pp QoQ |
+29.3pp | 19.9% | 17.6% | 20.8% | 98% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
20
-2 (-9.1%) YoY 0 QoQ |
-39 | 58 | 55 | 482 | 11% |
| Assets per Employee ($) |
$9.1M
+13.2% YoY -3.4% QoQ |
+$1.6M | $7.5M | $8.6M | $8.8M | 80% |
| Branch Count |
5
0 YoY 0 QoQ |
0 | 4 | 4 | 18 | 55% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
2.6%
+2.5pp YoY +0.2pp QoQ |
+2.2pp | 0.3% | 0.4% | 0.4% | 98% |
| Nonaccrual |
0.1%
-3.6pp QoQ |
-0.9pp | 0.9% | 1.0% | 1.0% | 15% |
| Allowance Coverage |
0.55x
-96.4% YoY +160.0% QoQ |
-23.60x | 24.15x | 20.41x | 20.23x | 12% |
| Net Charge-off Rate (YTD) |
-0.2%
-0.2pp YoY -0.2pp QoQ |
-0.3pp | 0.1% | 0.2% | 0.2% | 2% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
10.5%
+20.3pp YoY +0.6pp QoQ |
-1.7pp | 12.2% | 13.1% | 11.6% | 40% |
| Cost of Funds (YTD) |
0.6%
0.0pp YoY 0.0pp QoQ |
-1.2pp | 1.7% | 1.7% | 1.7% | 2% |
| Net Income ($, YTD) |
$1.5M
+218.6% YoY — QoQ |
-$1.1M | $2.6M | $4.5M | $40.4M | 40% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.