First Southeast Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Southeast Bank of Harmony, MN against its peer group of 2757 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 | 1.69% | 1.25% | +0.44% | 73rd above |
| ROAE | 21.99% | 12.22% | +9.77% | 92nd top |
| Net Interest Margin | 4.14% | 3.95% | +0.19% | 60th above |
| Efficiency Ratio | 56.75% | 63.71% | -6.96% | 63rd above |
| PPNR / Avg Assets | 1.82% | — | — | 63rd above |
| Yield on Earning Assets | 6.01% | 5.67% | +0.34% | 68th above |
| Cost of Funds | 2.01% | 1.87% | +0.14% | 36th below |
| Net Interest Spread | 3.55% | — | — | 61st above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.14% | 0.88% | -0.74% | 70th above |
| NPA / Total Assets | 0.12% | — | — | 68th above |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 79th top |
| ACL / Total Loans | 0.95% | — | — | 21st bottom |
| ACL / NPLs (Coverage) | 676.68% | — | — | 76th top |
| Texas Ratio | 1.45% | 5.96% | -4.51% | 64th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 9.73% | 17.18% | -7.45% | 1st bottom |
| Tier 1 Ratio | 9.73% | 17.21% | -7.48% | 1st bottom |
| Total Capital Ratio | 10.70% | — | — | 1st bottom |
| Leverage Ratio | 8.42% | 11.75% | -3.33% | 5th bottom |
| Equity / Assets | 7.57% | 10.98% | -3.41% | 9th bottom |
| TCE / Tangible Assets | 7.57% | — | — | 11th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 118.35% | 80.44% | +37.91% | 2nd bottom |
| Core Deposit Ratio | 80.27% | 86.95% | -6.68% | 17th bottom |
| Wholesale Funding Ratio | 18.90% | — | — | 2nd bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 8.20% | — | — | 76th top |
| Loan Growth (Y/Y) | 10.36% | — | — | 74th above |
| Deposit Growth (Y/Y) | 8.84% | — | — | 79th top |
See First Southeast Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Southeast Bank, 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 Southeast Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the First Southeast Bank peer analysis.