First Southeast Bank

BankHarmony, Minnesota
http://www.firstsoutheastbank.com

Total Assets

$155.1M

Total Deposits

$117.2M

Branches

3

Established

1893

TFS Health Grade

$
D

66.7 / 100

Below average financial health

How we grade

First Southeast Bank is a bank headquartered in Harmony, Minnesota, established in 1893. With $155.1M in total assets and 3 branch locations, it has a TFS Financial Health Grade of D (66.7/100).

Capital & Safety

Tier 1 Capital Ratio
8.31%(8%)
Total Capital Ratio
10.54%(10%)
Non-Performing Loan Ratio
0.00%

Profitability

Return on Assets (ROA)
1.29%(1%)
Return on Equity (ROE)
18.23%(10%)
Net Interest Margin
3.92%
Efficiency Ratio
63.29%(60%)

Lending & Liquidity

Total Loans
$133.0M
Loan-to-Deposit Ratio
112.45%
Net Charge-Off Ratio
0.00%

Growth

Asset Growth (YoY)
+12.20%
Deposit Growth (YoY)
+13.32%
Net Income
$1.9M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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