First Bank Blue Earth
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Data as of · sourced from FFIEC call reports. How we update
First Bank Blue Earth is an FDIC-insured commercial bank headquartered in Blue Earth, MN, established in 1869 (FDIC certificate 5097), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $322.7M, up 5.5% from Q2 2025, the 84th largest of 221 banks headquartered in Minnesota. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.47% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 5097
- Headquarters
- Blue Earth, MN
- Established
- 1869
- Total assets, Q2 2026
- $322.7M
- Assets vs Q2 2025
- +5.5%
- Tier 1 leverage ratio, Q2 2026
- 9.47%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 091201915
- Latest call report
- Q2 2026, FFIEC 041 · First Bank Blue Earth call report
- Holding company
- FNB BANCSHARES INC.
- Asset rank in state
- 84th of 221 in Minnesota
First Bank Blue Earth, based in Blue Earth, Minnesota, reported $323 million in assets at June 30, 2026, up 5.5% from a year earlier. It keeps 2.69 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also pays an average of 2.38% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
Deposits are coming in faster than loans: over the year loans rose 1.0% and deposits rose 6.4%. Paper losses on its bond portfolio are shrinking: unrealized losses of $5.0 million equal 16% of Tier 1 capital, down from 25% a year earlier. Where it has less room is capital: it funds 9.47% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, First Bank Blue Earth reported a return on assets of 0.89%, a nonperforming-loan ratio of 0.39% and a Texas ratio of 3.10%. The figures come from its call report filed with the FFIEC.
First Bank Blue Earth ranks as the 84th largest of the 221 banks based in Minnesota, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 0.5% to $322.7M, loans rose 4.8% and deposits rose 0.5%. Farmland and other real estate loans made up 39.3% of its total loans on June 30, 2026, its largest category; next came agricultural production loans at 24.2%. Its one office in the FDIC Summary of Deposits is in Blue Earth, MN. By the capital ratios in its Q2 2026 call report, First Bank Blue Earth meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 306 S Main St, Blue Earth, MN 56013
- County
- Faribault
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- January 1, 1869
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 34
- Domestic deposits
- $283.2M
- Allowance for credit losses
- $2.7M
- Net charge-offs (YTD)
- $132K
- Average total assets
- $326.1M
- Average total loans
- $208.0M
- Average interest-bearing deposits
- $240.3M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5097
- Fed RSSD
- 147857
- Website
- www.firstbankblueearth.com →
- Parent Holding Company
- FNB BANCSHARES INC. (RSSD 1143548)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, First Bank Blue Earth reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, First Bank Blue Earth's total assets ranged from $294.8M (Q1 2024) to $322.7M (Q2 2026), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$322.7M total assets against $305.9M; $298.9M total liabilities against $284.9M.
$209.6M net loans and leases against $207.9M; $283.2M total deposits against $266.2M.
$89.9M securities against $81.7M; $13.8M cash and balances due against $5.7M.
$3.9M total interest income against $3.7M; $1.8M total interest expense against $1.9M.
$2.1M net interest income against $1.8M.
$189K total noninterest income against $245K; $1.5M total noninterest expense against $1.5M.
$0 provision for credit losses against $0.
$724K net income against $220K.
0.89% return on assets against 0.29%; 2.69% net interest margin against 2.55%.
9.47% tier 1 leverage ratio against 9.76%.
Inside the full First Bank Blue Earth terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst Bank Blue Earth rankings
Its closest position to the top of a national ranking is 1,834 of 3,640, for Texas Ratio; its furthest is 2,737 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.06% (Q1 2026) to 1.18% (Q3 2025) and its net interest margin ran from 2.21% (Q3 2024) to 2.99% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.47% | 0.89% | 0.39% | 3.10% | 2.69% |
| Q1 2026 | 9.52% | 0.06% | 1.06% | 8.34% | 2.34% |
| Q4 2025 | 9.67% | 1.07% | 0.24% | 1.99% | 2.38% |
| Q3 2025 | 9.84% | 1.18% | 0.26% | 2.29% | 2.99% |
| Q2 2025 | 9.76% | 0.29% | 0.31% | 2.80% | 2.55% |
| Q1 2025 | 9.69% | 0.51% | 0.30% | 2.75% | 2.30% |
| Q4 2024 | 9.58% | 0.45% | 0.36% | 3.43% | 2.26% |
| Q3 2024 | 9.64% | 0.59% | 0.35% | 3.22% | 2.21% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First Bank Blue Earth (main office) | Blue Earth , MN | 56013 | $283.2M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MN, rank 108 of 277 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $50K approved, $50K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2023 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about First Bank Blue Earth
What are First Bank Blue Earth's total assets?
As of the Q2 2026 filing, First Bank Blue Earth reported total assets of $322.7 million in its FFIEC call report.
Where is First Bank Blue Earth headquartered?
It is headquartered in Blue Earth, MN, United States.
When was First Bank Blue Earth founded?
It was established in 1869, per the FDIC institution directory.
Is First Bank Blue Earth FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #5097). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Bank Blue Earth?
First Bank Blue Earth's primary federal regulator is the Federal Reserve.
How many branches does First Bank Blue Earth operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Bank Blue Earth's Texas Ratio?
Its Texas Ratio is 3.10% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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