FIRST STATE BANK

BUXTON, ND | Small | Est. Jan. 1, 1885, midnight | FDIC #15539 | RSSD #917050 | FDIC
Latest Report: 2025-12-31

FIRST STATE BANK is asn small FDIC-insured commercial bank headquartered in BUXTON, ND, established in Jan. 1, 1885, midnight. As of 2025-12-31, the bank reported total assets of $410M and total deposits of $366M. Profitability stands at 1.19% ROA and 12.23% ROE, with a net interest margin of 4.10%. The bank's CET1 capital ratio is 9.47%. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #15539.

Assets

$410M

Deposits

$366M

Loans

$368M

Equity

$39M

Profitability

Return on Assets (ROA) 1.19%
Return on Equity (ROE) 12.23%
Net Interest Margin (NIM) 4.10%
Yield on Assets 6.46%
Cost of Funds 2.44%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio --
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.22%

Capital & Liquidity

CET1 Ratio 9.47%
Tier 1 Capital 9.47%
Total Capital Ratio 9.94%
Leverage Ratio 9.65%
Loan-to-Deposit 100.66%

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