FIRST SOUTHEAST BANK

HARMONY, MN | Small | Est. March 15, 1893, midnight | FDIC #10576 | RSSD #22552 | FDIC
Latest Report: 2025-12-31

FIRST SOUTHEAST BANK is asn small FDIC-insured commercial bank headquartered in HARMONY, MN, established in March 15, 1893, midnight. As of 2025-12-31, the bank reported total assets of $155M and total deposits of $117M. Profitability stands at 1.48% ROA and 19.82% ROE, with a net interest margin of 4.39%. The bank's CET1 capital ratio is 9.62%. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #10576.

Assets

$155M

Deposits

$117M

Loans

$133M

Equity

$12M

Profitability

Return on Assets (ROA) 1.48%
Return on Equity (ROE) 19.82%
Net Interest Margin (NIM) 4.39%
Yield on Assets 6.48%
Cost of Funds 2.54%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.00%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 0.90%

Capital & Liquidity

CET1 Ratio 9.62%
Tier 1 Capital 9.62%
Total Capital Ratio 10.54%
Leverage Ratio 8.31%
Loan-to-Deposit 113.47%

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