| Metric | First Security Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.8% | +4.4% | +1.4 pts |
| Deposit growth (YoY) | +7.0% | +4.0% | +3.1 pts |
| Loan growth (YoY) | +2.5% | +5.6% | -3.1 pts |
| ROA | 1.05% | 1.24% | -0.2 pts |
| ROE | 15.0% | 11.9% | +3.1 pts |
ROA ranks in the 38th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $161.7M | $121.6M | $120.0M | $11.4M | $835K | 1.05% | 3.52% | 1.98% |
| Q1 2026 | $159.1M | $120.3M | $121.1M | $10.9M | $129K | 0.33% | 3.35% | 2.08% |
| Q4 2025 | $154.3M | $117.1M | $118.3M | $11.2M | $1.9M | 1.26% | 3.38% | 0.18% |
| Q3 2025 | $151.1M | $116.5M | $117.1M | $10.9M | $1.4M | 1.24% | 3.35% | 0.17% |
| Q2 2025 | $152.9M | $113.6M | $117.0M | $10.2M | $900K | 1.21% | 3.30% | 0.19% |
| Q1 2025 | $145.6M | $115.0M | $112.3M | $9.8M | $429K | 1.18% | 3.34% | 0.10% |
| Q4 2024 | $146.5M | $112.3M | $111.6M | $9.2M | $1.3M | 0.95% | 3.15% | 0.41% |
| Q3 2024 | $140.5M | $112.8M | $107.5M | $9.2M | $932K | 0.93% | 3.18% | 0.34% |
Loan mix (Q2 2026): real estate $106.9M · commercial $8.3M · consumer $3.4M · securities $26.2M
| Ratio | First Security Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.05% | 1.24% | 38th | |
Return on equity Annualized net income ÷ equity or net worth | 15.0% | 11.9% | 68th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.52% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.8% | 62.9% | 28th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | First Security Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | First Security Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | First Security Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | First Security Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | First Security Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
1 branches in 1 county across 1 state (+0 vs 2024) · $113.6M branch deposits. Biggest market: Olmsted, MN, ranked 16th with 1.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Olmsted, MN | 1 | $113.6M | 1.60% | 16th |
Minnesota: 216th with 0.03% · Rochester metro: 21st, 1.25% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1