First Bank Blue Earth: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 251.47 percentage points higher than in Q1 2026, at 382.43%. Within Minnesota, First Bank Blue Earth is 180th of 221 on return on assets, 0.89% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. First Bank Blue Earth sits 0.37 points lower, at 0.89% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.47% |
| Equity capital to assets | 7.36% |
| Tangible equity to tangible assets | 7.36% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.33% |
| Non-performing assets ratio | 0.22% |
| Net charge-off ratio | 0.25% |
| Texas ratio | 3.10% |
| Allowance for credit losses to loans | 1.26% |
| Reserve coverage of non-performing loans | 382.43% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.89% |
| Return on equity | 12.41% |
| Net interest margin | 2.69% |
| Efficiency ratio | 64.61% |
| Yield on earning assets | 4.90% |
| Cost of funds | 2.38% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 74.95% |
| Core deposits to total deposits | 92.64% |
| Brokered deposits to total deposits | 1.84% |
| Deposits to assets | 87.75% |
| Securities to assets | 27.87% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 9.63% | 0.46% | 1.87% | 0.12% | -0.01% |
| Q4 2023 | 9.68% | -0.54% | 2.07% | 0.09% | -0.00% |
| Q1 2024 | 9.78% | 0.68% | 2.28% | 0.43% | 0.00% |
| Q2 2024 | 9.76% | 0.54% | 2.22% | 0.15% | -0.00% |
| Q3 2024 | 9.64% | 0.59% | 2.21% | 0.35% | 0.05% |
| Q4 2024 | 9.58% | 0.45% | 2.26% | 0.34% | -0.01% |
| Q1 2025 | 9.69% | 0.51% | 2.30% | 0.30% | -0.00% |
| Q2 2025 | 9.76% | 0.29% | 2.55% | 0.31% | -0.01% |
| Q3 2025 | 9.84% | 1.18% | 2.99% | 0.26% | -0.12% |
| Q4 2025 | 9.67% | 1.07% | 2.38% | 0.24% | 0.01% |
| Q1 2026 | 9.52% | 0.06% | 2.34% | 1.06% | 0.00% |
| Q2 2026 | 9.47% | 0.89% | 2.69% | 0.33% | 0.25% |
First Bank Blue Earth vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Bank Blue Earth, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First Bank Blue Earth profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5097) · FFIEC NIC profile (RSSD 147857)