Bank Comparison
New Market Bank vs First Security Bank - Sleepy Eye
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 11
winning metrics across 23 comparable rows
Capital adequacy
| Metric | New Market Bank | First Security Bank - Sleepy Eye |
|---|---|---|
| CET1 Ratio | 10.56% | 42.20% |
| Tier 1 Capital Ratio | 13.81% | 42.20% |
| Total Capital Ratio | 15.06% | 43.07% |
| Tier 1 Leverage Ratio | 8.88% | 14.82% |
| Equity / Assets | 8.53% | 14.53% |
Profitability
| Metric | New Market Bank | First Security Bank - Sleepy Eye |
|---|---|---|
| Return on Assets (ROA) | 1.06% | 1.46% |
| Return on Equity (ROE) | 12.40% | 9.89% |
| Net Interest Margin (NIM) | 4.28% | 3.22% |
| Yield on Earning Assets | 5.26% | 3.74% |
| Cost of Funds | 1.04% | 0.59% |
Asset quality
| Metric | New Market Bank | First Security Bank - Sleepy Eye |
|---|---|---|
| Texas Ratio | 0.00% | 10.00% |
| Non-Performing Loan Ratio | 0.00% | 3.63% |
| Non-Performing Asset Ratio | 0.00% | 0.83% |
| Net Charge-Off Ratio | 0.00% | 0.04% |
| ACL / Loans | 1.29% | 1.27% |
Balance sheet
| Metric | New Market Bank | First Security Bank - Sleepy Eye |
|---|---|---|
| Total Assets | $193,734K | $189,134K |
| Total Deposits | $175,986K | $160,852K |
| Total Loans | $114,413K | $43,162K |
| Total Equity | $16,533K | $27,484K |
| Net Income (quarter) | $509 | $675 |
Liquidity & funding
| Metric | New Market Bank | First Security Bank - Sleepy Eye |
|---|---|---|
| Loan-to-Deposit Ratio | 65.01% | 26.83% |
| Core Deposit Ratio | 96.28% | 96.71% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | New Market Bank | First Security Bank - Sleepy Eye |
|---|---|---|
| Headquarters City | ELKO NEW MARKET | SLEEPY EYE |
| Headquarters State | MN | MN |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 3 | 5 |
| Employees (FTE) | 37 | 20 |
| Established | June 10, 1905, midnight | Jan. 1, 1882, 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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