BlastPoint's Banking Scorecard
First Security Bank - Sleepy Eye
Sleepy Eye, MN
5 branches across MN
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 14.35% above tier average
- + ROA 0.14% above tier average
- + Efficiency Ratio 7.08% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 5.16% above tier average
- - Net Interest Margin 0.61% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$189.1M
+1.7% YoY
-2.1% QoQ
|
-$196.9M |
$386.1M
+0.5% YoY
|
$512.9M
+5.5% YoY
|
$6.2B
+9.1% YoY
|
24% |
| Total Loans ? |
$42.6M
-22.5% YoY
-10.9% QoQ
|
-$213.1M |
$255.7M
+1.1% YoY
|
$288.3M
+6.9% YoY
|
$3.2B
+10.8% YoY
|
Bottom 1.8% in tier |
| Total Deposits ? |
$160.9M
+1.0% YoY
-2.6% QoQ
|
-$167.1M |
$328.0M
+0.1% YoY
|
$443.8M
+5.0% YoY
|
$4.8B
+8.2% YoY
|
24% |
| Return on Assets ? |
1.41%
+176.4% YoY
|
+0.14% |
1.27%
+12.9% YoY
|
1.13%
+10.7% YoY
|
1.23%
+13.4% YoY
|
63% |
| Net Interest Margin ? |
3.32%
-22.1% YoY
-13.2% QoQ
|
-0.61% |
3.93%
+6.0% YoY
|
3.93%
+7.5% YoY
|
3.89%
+5.7% YoY
|
23% |
| Efficiency Ratio ? |
58.20%
-1.1% YoY
+0.9% QoQ
|
-7.08% |
65.29%
-4.5% YoY
|
64.77%
-3.3% YoY
|
66.95%
-4.1% YoY
|
65% |
| Delinquency Rate ? |
6.05%
+219.0% QoQ
|
+5.16% |
0.89%
+18.8% YoY
|
1.04%
+28.9% YoY
|
0.95%
+18.8% YoY
|
Bottom 1.4% in tier |
| Loan-to-Deposit Ratio ? |
26.49%
-23.3% YoY
-8.4% QoQ
|
-50.15% |
76.64%
+0.8% YoY
|
76.69%
-0.4% YoY
|
76.70%
+0.9% YoY
|
Top 1.4% in tier |
| Non-Interest-Bearing Deposit Share ? |
36.37%
-13.3% YoY
-13.4% QoQ
|
+14.35% |
22.02%
-1.0% YoY
|
21.87%
-0.9% YoY
|
22.01%
-1.2% YoY
|
Top 8.3% in tier |
| Nonperforming Asset Ratio ? |
1.36%
+190.4% QoQ
|
+0.73% |
0.64%
+19.7% YoY
|
0.77%
+27.1% YoY
|
0.67%
+19.3% YoY
|
Bottom 13.3% in tier |
| Tier 1 Capital Ratio ? |
42.20%
+20.3% YoY
+12.0% QoQ
|
+26.37% |
15.83%
+1.5% YoY
|
15.37%
+0.7% YoY
|
17.06%
+0.8% YoY
|
Top 1.4% in tier |
| Non-Interest Income / Assets ? |
0.07%
-6.5% YoY
-76.7% QoQ
|
-0.21% |
0.28%
+9.3% YoY
|
0.16%
+5.0% YoY
|
0.32%
+4.1% YoY
|
33% |
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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.