FIRST STATE BANK OF BIGFORK

BIGFORK, MN | Small | Est. Aug. 12, 1912, midnight | FDIC #10991 | RSSD #364850 | FDIC
Latest Report: 2025-12-31

FIRST STATE BANK OF BIGFORK is asn small FDIC-insured commercial bank headquartered in BIGFORK, MN, established in Aug. 12, 1912, midnight. As of 2025-12-31, the bank reported total assets of $114M and total deposits of $98M. Profitability stands at 0.86% ROA and 7.65% ROE, with a net interest margin of 4.53%. The bank's CET1 capital ratio is 18.44%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 6.14% and a Texas Ratio of 37.05%. FDIC Certificate #10991.

Assets

$114M

Deposits

$98M

Loans

$82M

Equity

$13M

Profitability

Return on Assets (ROA) 0.86%
Return on Equity (ROE) 7.65%
Net Interest Margin (NIM) 4.53%
Yield on Assets 6.71%
Cost of Funds 2.70%

Asset Quality

NPL Ratio 6.14%
Net Charge-Off Ratio 0.27%
Texas Ratio 37.05%
NPA Ratio 4.52%
ACL / Loans 1.25%

Capital & Liquidity

CET1 Ratio 18.44%
Tier 1 Capital 18.44%
Total Capital Ratio 19.69%
Leverage Ratio 11.41%
Loan-to-Deposit 83.91%

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