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First Security Bank

$100M-$1B Specialty: Other MN FDIC cert 9728

Designations: ✓ CDFI-certified

Byron, 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 +7.0% year over year ($121.6M on the books).
  • Delinquency rate 2.66%.
  • Return on assets 1.05%.
  • Efficiency ratio 55.75% vs a 64.48% peer average.
  • Loan-to-deposit ratio 98.64% 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 Security Bank has 1 strength but faces 5 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

  • + Efficiency Ratio 8.73% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 34.4% in tier
  • - Margin Compression: Bottom 40.1% in tier
  • - Delinquency Rate 1.74% above tier average
  • - Nonperforming Asset Ratio 1.31% above tier average
  • - Net Interest Margin 0.47% below tier average
Get updates when First Security 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 ? $161.7M
+5.8% YoY +1.6% QoQ
-$224.8M $386.6M
+1.2% YoY
$524.5M
+5.8% YoY
$6.3B
+7.7% YoY
17%
Total Loans ? $120.0M
+2.5% YoY -1.0% QoQ
-$138.4M $258.3M
+1.7% YoY
$300.2M
+7.3% YoY
$3.2B
+9.4% YoY
25%
Total Deposits ? $121.6M
+7.0% YoY +1.1% QoQ
-$205.1M $326.7M
+0.7% YoY
$452.1M
+5.5% YoY
$4.9B
+7.3% YoY
Bottom 12.4% in tier
Return on Assets ? 1.05%
-13.1% YoY +220.2% QoQ
-0.27% 1.32%
+10.8% YoY
1.26%
+17.2% YoY
1.30%
+12.1% YoY
37%
Net Interest Margin ? 3.51%
+6.4% YoY +4.8% QoQ
-0.47% 3.99%
+5.0% YoY
4.00%
+6.8% YoY
3.95%
+4.9% YoY
28%
Efficiency Ratio ? 55.75%
-3.6% YoY -7.7% QoQ
-8.73% 64.48%
-3.2% YoY
63.00%
-3.5% YoY
70.05%
+2.5% YoY
70%
Delinquency Rate ? 2.66%
+990.0% YoY -0.3% QoQ
+1.74% 0.92%
+15.7% YoY
1.01%
+19.3% YoY
0.98%
+16.3% YoY
Bottom 7.7% in tier
Loan-to-Deposit Ratio ? 98.64%
-4.3% YoY -2.0% QoQ
+20.68% 77.95%
+1.0% YoY
78.29%
-0.6% YoY
79.03%
+2.3% YoY
Bottom 11.9% in tier
Non-Interest-Bearing Deposit Share ? 22.63%
+14.0% YoY +5.9% QoQ
+0.60% 22.03%
-0.6% YoY
21.79%
+0.9% YoY
21.98%
-0.6% YoY
57%
Nonperforming Asset Ratio ? 1.98%
+955.8% YoY -5.2% QoQ
+1.31% 0.67%
+16.4% YoY
0.76%
+16.9% YoY
0.69%
+15.8% YoY
Bottom 7.3% in tier
Tier 1 Capital Ratio ? 10.82%
+7.8% YoY +2.6% QoQ
-5.08% 15.91%
+1.4% YoY
15.35%
-0.4% YoY
17.09%
+0.8% YoY
21%
Non-Interest Income / Assets ? 0.11%
+11.7% YoY +164.9% QoQ
-0.46% 0.57%
+7.6% YoY
0.31%
+3.9% YoY
0.66%
+5.2% YoY
21%

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 22.6%
+2.8pp YoY
+1.3pp QoQ
 +0.5pp 22.1% 21.9% 22.2% 57%
Brokered Deposits 23.9%
-1.5pp YoY
-0.3pp QoQ
 +16.0pp 7.9% 8.3% 8.5% 94%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
C&I 6.9%
-0.7pp YoY
-0.1pp QoQ
 -4.6pp 11.6% 14.6% 12.5% 32%
CRE 23.6%
-6.7pp YoY
-1.4pp QoQ
 -16.0pp 39.5% 36.5% 41.4% 24%
1-4 Family 59.0%
+9.7pp YoY
+1.8pp QoQ
 +26.4pp 32.6% 29.4% 31.3% 89%
Consumer 2.8%
-1.2pp YoY
0.0pp QoQ
 -1.3pp 4.1% 4.5% 5.0% 58%

Capital

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
CET1 Ratio 10.8%
+0.8pp YoY
+0.3pp QoQ
 -8.0pp 18.8% 16.5% 19.7% 7%
Leverage Ratio 7.9%
+0.2pp YoY
+0.2pp QoQ
 -4.2pp 12.2% 11.0% 12.6% 2%
Total Capital Ratio 12.1%
+0.9pp YoY
+0.3pp QoQ
 -7.9pp 19.9% 17.6% 20.8% 8%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Full-Time Employees 11
0 YoY
-1 (-8.3%) QoQ
 -48 58 55 482 1%
Assets per Employee ($) $14.7M
+5.8% YoY
+10.9% QoQ
 +$7.2M $7.5M $8.6M $8.8M 97%
Branch Count 1
0 YoY
0 QoQ
 -4 4 4 18 0%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.4% 0.4% n/a
Nonaccrual 2.7%
+2.4pp YoY
0.0pp QoQ
 +1.7pp 0.9% 1.0% 1.0% 92%
Allowance Coverage 0.52x
-88.4% YoY
-2.1% QoQ
 -23.63x 24.15x 20.41x 20.23x 11%
Net Charge-off Rate (YTD) 0.1%
0.0pp YoY
+0.1pp QoQ
 0.0pp 0.1% 0.2% 0.2% 81%

Profitability

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
ROE 15.0%
-3.5pp YoY
+10.3pp QoQ
 +2.8pp 12.2% 13.1% 11.6% 67%
Cost of Funds (YTD) 2.7%
-0.2pp YoY
-0.1pp QoQ
 +1.0pp 1.7% 1.7% 1.7% 93%
Net Income ($, YTD) $835,000
-7.2% YoY
— QoQ
 -$1.7M $2.6M $4.5M $40.4M 21%

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)

Liquidity Strain

risk
#239 of 691 • Bottom 34.4% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 98.64%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank improving

Margin Compression

decline
#124 of 307 • Bottom 40.1% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 1.05%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 banks QoQ

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 (7 metrics)

2451
Nonperforming Asset Ratio
credit_quality
Value: 1.98%
Peer Median: 0.67%
#2451 of 2643 Bottom 7.3% in $100M-$1B
2430
Delinquency Rate
credit_quality
Value: 2.66%
Peer Median: 0.92%
#2430 of 2633 Bottom 7.7% in $100M-$1B
2330
Loan-to-Deposit Ratio
liquidity
Value: 98.64%
Peer Median: 77.95%
#2330 of 2643 Bottom 11.9% in $100M-$1B
2315
Total Deposits
size
Value: $121.62M
Peer Median: $326.73M
#2315 of 2643 Bottom 12.4% in $100M-$1B
2183
Total Assets
size
Value: $161.75M
Peer Median: $386.57M
#2183 of 2643 Bottom 17.4% in $100M-$1B
2092
Tier 1 Capital Ratio
capital
Value: 10.82%
Peer Median: 15.91%
#2092 of 2643 Bottom 20.9% in $100M-$1B
2087
Non-Interest Income / Assets
revenue_mix
Value: 0.11%
Peer Median: 0.57%
#2087 of 2643 Bottom 21.1% in $100M-$1B
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