The First State Bank of Rosemount: 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 Brokered deposits to total deposits: 6.51 percentage points lower than in Q1 2026, at 8.79%. On return on assets, The First State Bank of Rosemount is 18th from the bottom among 221 Minnesota banks, 0.54% (Q2 2026). Against a median of 1.25% for banks in the $100M-1B asset tier, The First State Bank of Rosemount reported 0.54% on return on assets in Q2 2026, 0.71 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 9.66% |
| Tier 1 risk-based capital ratio | 9.66% |
| Total risk-based capital ratio | 10.89% |
| Tier 1 leverage ratio | 6.28% |
| Equity capital to assets | 4.71% |
| Tangible equity to tangible assets | 4.71% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.88% |
| Non-performing assets ratio | 2.03% |
| Net charge-off ratio | 0.09% |
| Texas ratio | 36.69% |
| Allowance for credit losses to loans | 1.16% |
| Reserve coverage of non-performing loans | 40.26% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.54% |
| Return on equity | 12.33% |
| Net interest margin | 3.19% |
| Efficiency ratio | 74.59% |
| Yield on earning assets | 5.55% |
| Cost of funds | 2.34% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 74.27% |
| Core deposits to total deposits | 83.62% |
| Brokered deposits to total deposits | 8.79% |
| Deposits to assets | 94.77% |
| Securities to assets | 18.54% |
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 | 12.63% | 12.63% | 13.50% | 8.36% | 0.50% |
| Q4 2023 | 11.97% | 11.97% | 12.83% | 8.33% | 0.38% |
| Q1 2024 | 11.15% | 11.15% | 12.00% | 7.84% | -0.06% |
| Q2 2024 | 10.36% | 10.36% | 11.21% | 7.71% | 0.50% |
| Q3 2024 | 9.82% | 9.82% | 10.68% | 7.05% | 0.36% |
| Q4 2024 | 9.64% | 9.64% | 10.46% | 7.00% | 0.40% |
| Q1 2025 | 9.18% | 9.18% | 10.00% | 6.84% | 0.09% |
| Q2 2025 | 9.32% | 9.32% | 10.20% | 6.59% | 0.46% |
| Q3 2025 | 8.91% | 8.91% | 9.80% | 6.37% | 0.38% |
| Q4 2025 | 8.78% | 8.78% | 9.86% | 6.11% | -0.48% |
| Q1 2026 | 9.03% | 9.03% | 10.13% | 6.09% | 0.12% |
| Q2 2026 | 9.66% | 9.66% | 10.89% | 6.28% | 0.54% |
The First State Bank of Rosemount vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The First State Bank of Rosemount, 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 The First State Bank of Rosemount profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9769) · FFIEC NIC profile (RSSD 760957)