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First Security Bank
Byron, MN · FDIC Certificate #9728 · Chartered 12/2
Total assets
$161.75M
Total deposits
$121.62M
Total equity
$11.38M
Net loans
$119.96M
Branches (offices)
1
Net income (YTD)
$835.00K
Rank: #3,218 of 4,213 U.S. banks by assets · #128 of 221 in Minnesota. Assets changed 5.8% and deposits 7.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.05% |
| Return on equity | 14.97% |
| Net interest margin (YTD) | 3.51% |
| Equity to assets | 7.03% |
| Tier 1 leverage ratio | 7.93% |
| Uninsured deposits (share of deposits) | 23.7% |
| Noncurrent loans (share of loans) | 2.63% |
| Net charge-offs (share of loans) | 0.15% |
| Loans to deposits | 98.6% |
| Real estate loans (share of loans) | 89.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $106.86M | 89.1% | |
| Commercial & industrial | $8.31M | 6.9% | |
| Consumer / individual | $3.38M | 2.8% | |
| Construction & development | $14.77M | 12.3% | |
| Agricultural | $2.68M | 2.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $95.20M | $81.31M | $538.00K | $6.19M |
| Jun 2023 | $114.69M | $88.14M | $538.00K | $6.51M |
| Jun 2024 | $133.87M | $112.96M | $463.00K | $8.44M |
| Jun 2025 | $152.86M | $113.61M | $900.00K | $10.19M |
| Jun 2026 | $161.75M | $121.62M | $835.00K | $11.38M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Minnesota | $121.62M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $121.62M.
Similar-sized banks
Family Bank ($162.03M) · The Antwerp Exchange Bank Company ($161.31M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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