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First State Bank and Trust Locations & Branches Bayport, Minnesota
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First State Bank and Trust operates 4 branches from its headquarters in Bayport, MN, .
First State Bank and Trust branch network
Its 4 branches span 2 states and 3 cities. The most are in MINNESOTA (3) and WISCONSIN (1). MINNESOTA holds 91.4% of its branch deposits. Oak Park Heights, MN has the most of its branches, 2. Its largest office by deposits is its main office in Bayport, MN, with $295.0M (64.8% of its branch deposits). It had the same number of branches on June 30, 2025.
First State Bank and Trust at a glance
Its CET1 capital ratio was 13.56% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Total assets, Q2 2026
- $499.0M
- CET1 ratio, Q2 2026
- 13.56%
- Deposit insurance
- FDIC
- Regulator
- FDIC
- Established
- 1914
Full financial profile · Is First State Bank and Trust safe? · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Bayport, MN (1 branch) | 1 of 1 | 100.0% | $295.0M |
| State: MN (3 branches) | 73 of 277 | 0.1% | $416.1M |
Ranked by total assets among banks headquartered in the state: Largest banks in Minnesota.
Share by county and metro area
First State Bank and Trust's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Washington, MN (3 branches) | 6 of 24 | 5.9% | $416.1M | $7.09B |
| St. Croix, WI (1 branch) | 11 of 13 | 1.9% | $39.3M | $2.07B |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Minneapolis-St. Paul-Bloomington, MN-WI (4 branches) | 38 of 124 | 0.2% | $455.4M | $252.68B |
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First State Bank and Trust (main office) | Bayport, MN | 55003 | $295.0M |
| Oak Park Heights Branch | Oak Park Heights, MN | 55082 | $121.1M |
| Hudson, Wi Branch | Hudson, WI | 54016 | $39.3M |
| Boutwell's Landing - Town Square Branch | Oak Park Heights, MN | 55082 | $0 |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 10159) · FFIEC NIC profile (RSSD 144856)