FIRST STATE BANK AND TRUST

BAYPORT, MN | Small | Est. Jan. 1, 1914, midnight | FDIC #10159 | RSSD #144856 | FDIC
Latest Report: 2025-12-31

FIRST STATE BANK AND TRUST is asn small FDIC-insured commercial bank headquartered in BAYPORT, MN, established in Jan. 1, 1914, midnight. As of 2025-12-31, the bank reported total assets of $473M and total deposits of $430M. Profitability stands at 1.80% ROA and 21.05% ROE, with a net interest margin of 3.91%. The bank's CET1 capital ratio is 14.49%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #10159.

Assets

$473M

Deposits

$430M

Loans

$302M

Equity

$39M

Profitability

Return on Assets (ROA) 1.80%
Return on Equity (ROE) 21.05%
Net Interest Margin (NIM) 3.91%
Yield on Assets 5.61%
Cost of Funds 1.72%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.00%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.26%

Capital & Liquidity

CET1 Ratio 14.49%
Tier 1 Capital 14.49%
Total Capital Ratio 15.74%
Leverage Ratio 8.98%
Loan-to-Deposit 70.26%

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