FIRST STATE BANK MINNESOTA

LE ROY, MN | Small | Est. June 1, 1893, midnight | FDIC #10162 | RSSD #60554 | FDIC
Latest Report: 2025-12-31

FIRST STATE BANK MINNESOTA is asn small FDIC-insured commercial bank headquartered in LE ROY, MN, established in June 1, 1893, midnight. As of 2025-12-31, the bank reported total assets of $109M and total deposits of $96M. Profitability stands at 1.79% ROA and 16.50% ROE, with a net interest margin of 4.47%. The bank's CET1 capital ratio is 10.59%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.43% and a Texas Ratio of 2.76%. FDIC Certificate #10162. The institution operates 1 domestic branch.

Assets

$109M

Deposits

$96M

Loans

$81M

Equity

$12M

Profitability

Return on Assets (ROA) 1.79%
Return on Equity (ROE) 16.50%
Net Interest Margin (NIM) 4.47%
Yield on Assets 5.59%
Cost of Funds 1.81%

Asset Quality

NPL Ratio 0.43%
Net Charge-Off Ratio -0.27%
Texas Ratio 2.76%
NPA Ratio 0.32%
ACL / Loans 1.51%

Capital & Liquidity

CET1 Ratio 10.59%
Tier 1 Capital 10.59%
Total Capital Ratio 11.11%
Leverage Ratio 10.66%
Loan-to-Deposit 84.35%

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