First State Bank of Bigfork: 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 Q3 2026 was in Loan-to-deposit ratio: 0.87 percentage points higher than in Q2 2026, at 80.78%. First State Bank of Bigfork ranks 174th of 221 Minnesota banks on return on assets, in the lower half at 0.96% (Q3 2026). First State Bank of Bigfork's return on assets of 0.62% is well below the 1.25% median for banks in the $100M-1B asset tier, a gap of 0.63 points (Q3 2026); the peer median is as of Q2 2026.
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| CET1 capital ratio | 19.21% |
| Tier 1 risk-based capital ratio | 19.21% |
| Total risk-based capital ratio | 20.47% |
| Tier 1 leverage ratio | 11.36% |
| Equity capital to assets | 10.93% |
| Tangible equity to tangible assets | 10.93% |
Asset quality
| Line item | Q3 2026 |
|---|---|
| Non-performing loans to loans | 5.84% |
| Non-performing assets ratio | 4.29% |
| Net charge-off ratio | -0.06% |
| Texas ratio | 37.12% |
| Allowance for credit losses to loans | 1.41% |
| Reserve coverage of non-performing loans | 24.20% |
Earnings
| Line item | Q3 2026 |
|---|---|
| Return on assets | 0.62% |
| Return on equity | 5.61% |
| Net interest margin | 3.93% |
| Efficiency ratio | 75.90% |
| Yield on earning assets | 5.95% |
| Cost of funds | 2.24% |
Liquidity and funding
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 80.78% |
| Core deposits to total deposits | 92.70% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.75% |
| Securities to assets | 13.74% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q4 2023 | — | — | — | 11.31% | 0.04% |
| Q1 2024 | — | — | — | 11.29% | 0.63% |
| Q2 2024 | — | — | — | 11.35% | 0.71% |
| Q3 2024 | — | — | — | 11.57% | 0.79% |
| Q4 2024 | 16.42% | 16.42% | 17.67% | 11.48% | 0.58% |
| Q1 2025 | 17.36% | 17.36% | 18.61% | 11.25% | 0.58% |
| Q2 2025 | 17.46% | 17.46% | 18.71% | 11.41% | 0.88% |
| Q3 2025 | 17.60% | 17.60% | 18.85% | 11.39% | 0.33% |
| Q4 2025 | 18.44% | 18.44% | 19.69% | 11.41% | 0.86% |
| Q1 2026 | 18.99% | 18.99% | 20.24% | 11.21% | 1.21% |
| Q2 2026 | 19.22% | 19.22% | 20.47% | 11.33% | 0.96% |
| Q3 2026 | 19.21% | 19.21% | 20.47% | 11.36% | 0.62% |
First State Bank of Bigfork vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First State Bank of Bigfork, 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 of Bigfork profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10991) · FFIEC NIC profile (RSSD 364850)