First Security Bank - Sleepy Eye: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 2000.59 percentage points higher than in Q1 2026, at 2035.71%. Within Minnesota, First Security Bank - Sleepy Eye is 67th of 221 on return on assets, 1.68% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. First Security Bank - Sleepy Eye sits 0.43 points higher, at 1.68% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 48.24% |
| Tier 1 risk-based capital ratio | 48.24% |
| Total risk-based capital ratio | 49.27% |
| Tier 1 leverage ratio | 15.26% |
| Equity capital to assets | 15.55% |
| Tangible equity to tangible assets | 14.50% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.07% |
| Non-performing assets ratio | 0.02% |
| Net charge-off ratio | -0.38% |
| Texas ratio | 3.84% |
| Allowance for credit losses to loans | 1.44% |
| Reserve coverage of non-performing loans | 2035.71% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.68% |
| Return on equity | 11.12% |
| Net interest margin | 3.72% |
| Efficiency ratio | 55.18% |
| Yield on earning assets | 4.32% |
| Cost of funds | 0.67% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 25.76% |
| Core deposits to total deposits | 96.49% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 83.89% |
| Securities to assets | 25.98% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 27.51% | 27.51% | 28.60% | 12.32% | 0.27% |
| Q4 2023 | 25.50% | 25.50% | 26.63% | 11.71% | -3.60% |
| Q1 2024 | 36.03% | 36.03% | 37.28% | 16.15% | 9.98% |
| Q2 2024 | 34.09% | 34.09% | 35.34% | 16.80% | 0.74% |
| Q3 2024 | 33.61% | 33.61% | 34.86% | 15.18% | -5.10% |
| Q4 2024 | 35.95% | 35.95% | 36.90% | 15.61% | 2.58% |
| Q1 2025 | 35.08% | 35.08% | 36.05% | 15.20% | -1.88% |
| Q2 2025 | 32.99% | 32.99% | 33.99% | 14.30% | -0.82% |
| Q3 2025 | 34.51% | 34.51% | 35.49% | 14.74% | 1.44% |
| Q4 2025 | 37.67% | 37.67% | 38.47% | 14.42% | 1.46% |
| Q1 2026 | 42.20% | 42.20% | 43.07% | 14.82% | 1.46% |
| Q2 2026 | 48.24% | 48.24% | 49.27% | 15.26% | 1.68% |
First Security Bank - Sleepy Eye vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Security Bank - Sleepy Eye, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)