FIRST SECURITY BANK - SLEEPY EYE

SLEEPY EYE, MN | Small | Est. Jan. 1, 1882, midnight | FDIC #5252 | RSSD #861658 | FDIC
Latest Report: 2025-12-31

FIRST SECURITY BANK - SLEEPY EYE is asn small FDIC-insured commercial bank headquartered in SLEEPY EYE, MN, established in Jan. 1, 1882, midnight. As of 2025-12-31, the bank reported total assets of $193M and total deposits of $165M. Profitability stands at 1.43% ROA and 10.28% ROE, with a net interest margin of 3.94%. The bank's CET1 capital ratio is 37.67%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.88% and a Texas Ratio of 3.28%. FDIC Certificate #5252.

Assets

$193M

Deposits

$165M

Loans

$48M

Equity

$27M

Profitability

Return on Assets (ROA) 1.43%
Return on Equity (ROE) 10.28%
Net Interest Margin (NIM) 3.94%
Yield on Assets 4.59%
Cost of Funds 0.70%

Asset Quality

NPL Ratio 1.88%
Net Charge-Off Ratio 0.40%
Texas Ratio 3.28%
NPA Ratio 0.47%
ACL / Loans 1.06%

Capital & Liquidity

CET1 Ratio 37.67%
Tier 1 Capital 37.67%
Total Capital Ratio 38.47%
Leverage Ratio 14.42%
Loan-to-Deposit 29.24%

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