First Security Bank - Sleepy Eye: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Commercial and industrial: 5.86 percentage points lower than in Q1 2026, at 19.64%. On loan-to-deposit ratio, First Security Bank - Sleepy Eye is 4th from the bottom among 221 Minnesota banks, 25.76% (Q2 2026). First Security Bank - Sleepy Eye's loan-to-deposit ratio of 25.76% is well below the 80.84% median for banks in the $100M-1B asset tier, a gap of 55.08 points (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $39.5M |
| Net loans and leases | $38.9M |
| Loans held for sale | $0 |
| Loans to total assets | 21.61% |
| Loan-to-deposit ratio | 25.76% |
| Net loans to equity capital | 1.37% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 15.56% |
| Multifamily (5+ residential) | 0.68% |
| Commercial and industrial | 19.64% |
| Consumer | 4.34% |
| Credit cards | 0.00% |
| Farm | 22.49% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 5.97% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 19.51% |
| Construction concentration (Tier 1 capital + allowance) | 2.05% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.65% |
| Interest income on loans | $575K |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $76.6M | $210.1M | 21.23% | 15.15% | 4.30% |
| Q4 2023 | $75.5M | $215.6M | 20.76% | 12.81% | 3.97% |
| Q1 2024 | $56.5M | $156.5M | 19.62% | 13.87% | 4.52% |
| Q2 2024 | $55.9M | $156.1M | 19.26% | 14.45% | 4.34% |
| Q3 2024 | $55.1M | $164.6M | 19.05% | 15.22% | 4.34% |
| Q4 2024 | $55.4M | $162.2M | 18.60% | 17.15% | 3.67% |
| Q1 2025 | $55.7M | $159.2M | 18.97% | 20.63% | 4.13% |
| Q2 2025 | $55.5M | $152.1M | 15.77% | 22.10% | 4.06% |
| Q3 2025 | $53.5M | $159.3M | 13.98% | 24.58% | 3.80% |
| Q4 2025 | $48.3M | $165.2M | 14.91% | 25.67% | 4.17% |
| Q1 2026 | $43.2M | $160.9M | 14.49% | 25.51% | 4.40% |
| Q2 2026 | $39.5M | $153.3M | 15.56% | 19.64% | 4.34% |
First Security Bank - Sleepy Eye loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Security Bank - Sleepy Eye, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First Security Bank - Sleepy Eye profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5252) · FFIEC NIC profile (RSSD 861658)