First State Bank Minnesota: 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: 6.40 percentage points higher than in Q1 2026, at 222.10%. Within Minnesota, First State Bank Minnesota is 27th of 221 on return on assets, 2.07% as of Q2 2026, above the middle of the field. Against a median of 1.25% for banks in the $100M-1B asset tier, First State Bank Minnesota reported 2.07% on return on assets in Q2 2026, 0.81 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.43% |
| Equity capital to assets | 11.37% |
| Tangible equity to tangible assets | 11.37% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.64% |
| Non-performing assets ratio | 0.53% |
| Net charge-off ratio | -0.02% |
| Texas ratio | 6.89% |
| Allowance for credit losses to loans | 1.43% |
| Reserve coverage of non-performing loans | 222.10% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.07% |
| Return on equity | 18.50% |
| Net interest margin | 4.56% |
| Efficiency ratio | 51.09% |
| Yield on earning assets | 5.62% |
| Cost of funds | 1.18% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 94.07% |
| Core deposits to total deposits | 90.98% |
| Brokered deposits to total deposits | 3.33% |
| Deposits to assets | 87.31% |
| Securities to assets | 6.57% |
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 | 11.29% | 1.30% | 3.99% | 1.34% | -0.01% |
| Q4 2023 | 11.32% | 0.94% | 3.82% | 1.30% | -0.04% |
| Q1 2024 | 10.98% | 1.19% | 3.86% | 1.22% | 0.00% |
| Q2 2024 | 10.86% | 1.24% | 3.75% | 1.13% | 0.00% |
| Q3 2024 | 11.01% | 1.46% | 3.85% | 1.09% | 0.01% |
| Q4 2024 | 11.04% | 1.40% | 3.88% | 1.06% | -0.04% |
| Q1 2025 | 10.74% | 1.37% | 4.01% | 0.00% | -1.23% |
| Q2 2025 | 11.03% | 1.68% | 4.10% | 0.85% | 0.14% |
| Q3 2025 | 10.96% | 1.72% | 4.30% | 0.73% | -0.03% |
| Q4 2025 | 10.66% | 1.72% | 4.03% | 0.71% | 0.00% |
| Q1 2026 | 11.37% | 1.89% | 4.51% | 0.67% | -0.03% |
| Q2 2026 | 11.43% | 2.07% | 4.56% | 0.64% | -0.02% |
First State Bank Minnesota vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First State Bank Minnesota, 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 State Bank Minnesota profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10162) · FFIEC NIC profile (RSSD 60554)