First Security Bank - Sleepy Eye: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Security Bank - Sleepy Eye of Sleepy Eye, MN against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.68% | 1.35% | +0.33% | 73rd above |
| ROAE | 11.12% | 12.05% | -0.93% | 42nd below |
| Net Interest Margin | 3.72% | 3.90% | -0.18% | 38th below |
| Efficiency Ratio | 55.18% | 63.15% | -7.97% | 68th above |
| PPNR / Avg Assets | 1.68% | 1.64% | +0.04% | 56th above |
| Yield on Earning Assets | 4.32% | 5.65% | -1.33% | 6th bottom |
| Cost of Funds | 0.67% | 1.85% | -1.18% | 97th top |
| Net Interest Spread | 3.26% | 3.35% | -0.09% | 47th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.07% | 0.92% | -0.85% | 76th top |
| NPA / Total Assets | 0.02% | 0.67% | -0.65% | 83rd top |
| NCO / Avg Loans | -0.38% | 0.15% | -0.53% | 99th top |
| ACL / Total Loans | 1.44% | 1.28% | +0.16% | 74th above |
| ACL / NPLs (Coverage) | 2035.71% | 1644.97% | +390.74% | — |
| Texas Ratio Ahead of the peer average, behind the median peer. | 3.84% | 7.15% | -3.31% | 48th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 48.24% | 20.81% | +27.43% | 98th top |
| Tier 1 Ratio | 48.24% | 20.84% | +27.40% | 98th top |
| Total Capital Ratio | 49.27% | 21.92% | +27.35% | 98th top |
| Leverage Ratio | 15.26% | 12.46% | +2.80% | 88th top |
| Equity / Assets | 15.55% | 11.67% | +3.88% | 90th top |
| TCE / Tangible Assets | 14.50% | 11.40% | +3.10% | 88th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 25.76% | 78.66% | -52.90% | 99th top |
| Core Deposit Ratio | 96.49% | 87.09% | +9.40% | 91st top |
| Wholesale Funding Ratio | 0.26% | 5.12% | -4.86% | 93rd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.92% | 6.48% | -3.56% | 39th below |
| Loan Growth (Y/Y) | -28.85% | 7.65% | -36.50% | 0th bottom |
| Deposit Growth (Y/Y) | 0.83% | 6.02% | -5.19% | 28th below |
See First Security Bank - Sleepy Eye's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Security Bank - Sleepy Eye, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full First Security Bank - Sleepy Eye profile, how to read a UBPR, or how this data updates.