Advertisement
First Southeast Bank
Harmony, MN · FDIC Certificate #10576 · Chartered 03/1
Total assets
$158.29M
Total deposits
$116.04M
Total equity
$11.98M
Net loans
$136.04M
Branches (offices)
3
Net income (YTD)
$1.24M
Rank: #3,245 of 4,213 U.S. banks by assets · #129 of 221 in Minnesota. Assets changed 8.2% and deposits 8.8% over the year to June 30, 2026.
Advertisement
Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.60% |
| Return on equity | 21.00% |
| Net interest margin (YTD) | 4.12% |
| Equity to assets | 7.57% |
| Tier 1 leverage ratio | 8.42% |
| Uninsured deposits (share of deposits) | 14.0% |
| Noncurrent loans (share of loans) | 0.14% |
| Net charge-offs (share of loans) | -0.01% |
| Loans to deposits | 117.2% |
| Real estate loans (share of loans) | 60.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $82.72M | 60.8% | |
| Commercial & industrial | $16.34M | 12.0% | |
| Consumer / individual | $4.87M | 3.6% | |
| Construction & development | $2.84M | 2.1% | |
| Agricultural | $33.40M | 24.6% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $124.51M | $109.98M | $281.00K | $7.28M |
| Jun 2023 | $121.46M | $103.04M | $543.00K | $7.40M |
| Jun 2024 | $129.07M | $102.58M | $620.00K | $7.62M |
| Jun 2025 | $146.28M | $106.62M | $812.00K | $10.70M |
| Jun 2026 | $158.29M | $116.04M | $1.24M | $11.98M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Minnesota | $116.04M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $116.04M.
Similar-sized banks
The Exchange Bank ($158.38M) · The First National Bank Of Winnsboro ($158.22M)
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.
Advertisement