Total Assets
$193M
Total balance-sheet footings
FDIC Cert #5252 · Sleepy Eye, Minnesota · Est. 1882
First Security Bank - Sleepy Eye - FDIC Bank Health Profile
A community-scale look at First Security Bank - Sleepy Eye's own numbers, pulled straight from its quarterly FDIC Call Report.
- $193M
- Total assets
- B
- Health grade · Good
- 0.05%
- Return on assets
- 37.7%
- Tier 1 capital
Data updated July 2026
The verdict
First Security Bank - Sleepy Eye earns a PlainBankData health grade of B (79/100), with well-capitalized at 37.67% Tier 1, 0.05% ROA, efficient (58% cost ratio).
- #3,058
- largest of 4,313 FDIC banks by assets
- 29th
- percentile by asset size, nationally
- 37.67%
- Tier 1 ratio - above the 10% well-capitalized line
- 6th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How First Security Bank - Sleepy Eye's 79/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
First Security Bank - Sleepy Eye's composite health score
Tier 1 Capital Ratio (37.67%) 40/40
Return on Assets (ROA) (0.05%) 7/25
Texas Ratio (3.28%) 20/20
Efficiency Ratio (57.67%) 12/15
79 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$165M
Customer-funded liabilities
Net Loans
$48M
Outstanding loan book
Net Income
$90K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where First Security Bank - Sleepy Eye ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First Security Bank - Sleepy Eye's score of 79/100 falls in the highlighted band.
First Security Bank - Sleepy Eye's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). First Security Bank - Sleepy Eye's $193M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
37.67% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
37.67%
Texas Ratio
3.28%
Equity Capital
$27M
Profitability metrics
Return on Assets (ROA)
6th percentile nationally
0.05%
Return on Equity (ROE)
0.35%
Efficiency Ratio
57.67%
What the numbers say about First Security Bank - Sleepy Eye
First Security Bank - Sleepy Eye is an FDIC-insured institution (Certificate #5252) headquartered in Sleepy Eye, Minnesota, established in 1882. It holds $193M in total assets - 3,058th of 4,313 FDIC-insured banks, $165M in customer deposits, and $48M in net loans. Capital-wise, the Tier 1 ratio sits at 37.67%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 3.28%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of B (79 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
First Security Bank - Sleepy Eye sits 118th of 227 banks headquartered in Minnesota by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$8M
Interest Income
$591K
Non-Interest Income
$4M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. First Security Bank - Sleepy Eye reports a Texas Ratio of 3.28% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
3.28% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Minnesota by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First Security Bank - Sleepy Eye (FDIC Cert #5252) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Minnesota
All Minnesota banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Ameriprise Bank, FSBMinneapolis | $25.3B | A | 3.08% |
| Bridgewater BankSaint Louis Park | $5.4B | A | 0.99% |
| Frandsen Bank & TrustLonsdale | $3.7B | A | 1.48% |
| Stearns Bank National AssociationSaint Cloud | $3.3B | A | 1.85% |
| Minnwest BankRedwood Falls | $3.0B | B | 0.92% |
| Merchants Bank, National AssociationWinona | $2.9B | A | 1.23% |
| Tradition Capital BankWayzata | $2.6B | B | 0.71% |
| Think Mutual BankRochester | $2.2B | B | 0.61% |
Frequently asked questions
What is First Security Bank - Sleepy Eye's health grade?▼
First Security Bank - Sleepy Eye receives a health grade of B (79/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is First Security Bank - Sleepy Eye?▼
First Security Bank - Sleepy Eye holds $193M in total assets and $165M in deposits, ranking 3,058th of 4,313 FDIC-insured banks by asset size. It is headquartered in Sleepy Eye, Minnesota.
Is my money safe at First Security Bank - Sleepy Eye?▼
Yes, deposits at First Security Bank - Sleepy Eye (Certificate #5252) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is First Security Bank - Sleepy Eye's Tier 1 Capital Ratio?▼
First Security Bank - Sleepy Eye has a Tier 1 Capital Ratio of 37.67%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for First Security Bank - Sleepy Eye?▼
First Security Bank - Sleepy Eye has a Texas Ratio of 3.28%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is First Security Bank - Sleepy Eye?▼
First Security Bank - Sleepy Eye has an Efficiency Ratio of 57.67%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read First Security Bank - Sleepy Eye's profile as a depositor or analyst.
- First Security Bank - Sleepy Eye's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare First Security Bank - Sleepy Eye against other Minnesota banks before moving funds. Minnesota banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.