First State Bank of Le Center: 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.
Reserve coverage of non-performing loans climbed 3.93 percentage points in Q2 2026, from 149.60% to 153.54%. It was the largest change from Q1 2026 among the key lines here. Within Minnesota, First State Bank of Le Center is 44th of 221 on return on assets, 1.91% 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 of Le Center reported 1.91% on return on assets in Q2 2026, 0.66 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.68% |
| Tier 1 risk-based capital ratio | 13.68% |
| Total risk-based capital ratio | 14.74% |
| Tier 1 leverage ratio | 11.15% |
| Equity capital to assets | 10.94% |
| Tangible equity to tangible assets | 10.94% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.80% |
| Non-performing assets ratio | 0.56% |
| Net charge-off ratio | -0.02% |
| Texas ratio | 4.87% |
| Allowance for credit losses to loans | 1.23% |
| Reserve coverage of non-performing loans | 153.54% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.91% |
| Return on equity | 17.91% |
| Net interest margin | 4.83% |
| Efficiency ratio | 54.69% |
| Yield on earning assets | 5.91% |
| Cost of funds | 1.18% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 84.29% |
| Core deposits to total deposits | 91.87% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 83.59% |
| Securities to assets | 19.28% |
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 |
|---|---|---|---|---|---|
| Q3 2023 | 16.21% | 16.21% | 17.33% | 10.85% | 1.28% |
| Q4 2023 | 15.41% | 15.41% | 16.48% | 10.20% | 0.89% |
| Q1 2024 | 15.08% | 15.08% | 16.10% | 11.09% | 1.67% |
| Q2 2024 | 14.42% | 14.42% | 15.41% | 10.85% | 1.43% |
| Q3 2024 | 14.41% | 14.41% | 15.38% | 11.22% | 1.43% |
| Q4 2024 | 15.41% | 15.41% | 16.52% | 10.95% | 0.89% |
| Q1 2025 | 13.16% | 13.16% | 14.16% | 10.61% | 1.40% |
| Q2 2025 | 12.44% | 12.44% | 13.60% | 10.57% | 0.79% |
| Q3 2025 | 13.47% | 13.47% | 14.71% | 10.77% | 1.84% |
| Q4 2025 | 12.88% | 12.88% | 13.88% | 10.63% | 0.94% |
| Q1 2026 | 12.93% | 12.93% | 13.95% | 10.67% | 1.81% |
| Q2 2026 | 13.68% | 13.68% | 14.74% | 11.15% | 1.91% |
First State Bank of Le Center vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First State Bank of Le Center, 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 Le Center profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9330) · FFIEC NIC profile (RSSD 986159)