Bank Comparison
First Security Bank - Sleepy Eye vs Farmers State Bank of Hamel
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 10
winning metrics across 20 comparable rows
Capital adequacy
| Metric | First Security Bank - Sleepy Eye | Farmers State Bank of Hamel |
|---|---|---|
| CET1 Ratio | 42.20% | — |
| Tier 1 Capital Ratio | 42.20% | — |
| Total Capital Ratio | 43.07% | — |
| Tier 1 Leverage Ratio | 14.82% | 9.36% |
| Equity / Assets | 14.53% | 6.18% |
Profitability
| Metric | First Security Bank - Sleepy Eye | Farmers State Bank of Hamel |
|---|---|---|
| Return on Assets (ROA) | 1.46% | 0.98% |
| Return on Equity (ROE) | 9.89% | 15.74% |
| Net Interest Margin (NIM) | 3.22% | 2.52% |
| Yield on Earning Assets | 3.74% | 3.96% |
| Cost of Funds | 0.59% | 1.52% |
Asset quality
| Metric | First Security Bank - Sleepy Eye | Farmers State Bank of Hamel |
|---|---|---|
| Texas Ratio | 10.00% | 0.00% |
| Non-Performing Loan Ratio | 3.63% | 0.00% |
| Non-Performing Asset Ratio | 0.83% | 0.00% |
| Net Charge-Off Ratio | 0.04% | 0.00% |
| ACL / Loans | 1.27% | 1.41% |
Balance sheet
| Metric | First Security Bank - Sleepy Eye | Farmers State Bank of Hamel |
|---|---|---|
| Total Assets | $189,134K | $188,783K |
| Total Deposits | $160,852K | $176,405K |
| Total Loans | $43,162K | $68,881K |
| Total Equity | $27,484K | $11,671K |
| Net Income (quarter) | $675 | $483 |
Liquidity & funding
| Metric | First Security Bank - Sleepy Eye | Farmers State Bank of Hamel |
|---|---|---|
| Loan-to-Deposit Ratio | 26.83% | 39.05% |
| Core Deposit Ratio | 96.71% | 87.60% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First Security Bank - Sleepy Eye | Farmers State Bank of Hamel |
|---|---|---|
| Headquarters City | SLEEPY EYE | HAMEL |
| Headquarters State | MN | MN |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 5 | 2 |
| Employees (FTE) | 20 | 23 |
| Established | Jan. 1, 1882, midnight | Jan. 1, 1919, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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