FIRST STATE BANK OF LE CENTER

LE CENTER, MN | Small | Est. Jan. 1, 1902, midnight | FDIC #9330 | RSSD #986159 | FDIC
Latest Report: 2025-12-31

FIRST STATE BANK OF LE CENTER is asn small FDIC-insured commercial bank headquartered in LE CENTER, MN, established in Jan. 1, 1902, midnight. As of 2025-12-31, the bank reported total assets of $114M and total deposits of $96M. Profitability stands at 0.95% ROA and 9.02% ROE, with a net interest margin of 4.63%. The bank's CET1 capital ratio is 12.88%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.85% and a Texas Ratio of 5.00%. FDIC Certificate #9330.

Assets

$114M

Deposits

$96M

Loans

$76M

Equity

$12M

Profitability

Return on Assets (ROA) 0.95%
Return on Equity (ROE) 9.02%
Net Interest Margin (NIM) 4.63%
Yield on Assets 5.84%
Cost of Funds 1.33%

Asset Quality

NPL Ratio 0.85%
Net Charge-Off Ratio 0.28%
Texas Ratio 5.00%
NPA Ratio 0.57%
ACL / Loans 1.25%

Capital & Liquidity

CET1 Ratio 12.88%
Tier 1 Capital 12.88%
Total Capital Ratio 13.88%
Leverage Ratio 10.63%
Loan-to-Deposit 78.72%

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