First State Bank of Bigfork: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
First State Bank of Bigfork is a locally rooted FDIC-insured community bank based in Bigfork, MN. Total assets stand at $119M. Returns are subdued: 0.62% ROA and 5.61% ROE. Regulatory capital is solid, 19.21% CET1 and 20.47% total risk-based capital ratio. Asset quality is impaired, with nonperforming loans at 5.84%. It operates 2 branches, primarily in Minnesota.
As of September 30, 2026, First State Bank of Bigfork reported a CET1 capital ratio of 19.21%, a return on assets of 0.62%, a nonperforming-loan ratio of 5.84%, a Texas ratio of 37.12%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 400 Main Avenue, Bigfork, MN 56628
- County
- Itasca
- Metro Area
- Grand Rapids, MN
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- August 12, 1912
- Offices
- 2 domestic
- Employees (FTE)
- 22
- Domestic deposits
- $103.1M
- Allowance for credit losses
- $1.2M
- Net charge-offs (YTD)
- -$47K
- Average total assets
- $119.4M
- Average total loans
- $82.8M
- Average interest-bearing deposits
- $85.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 10991
- Fed RSSD
- 364850
- Website
- www.fsbbigfork.com →
- Parent Holding Company
- BIGFORK BANCSHARES, INC. (RSSD 1990087)
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through September 30, 2026, as filed. Net income is tagged Q3 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full First State Bank of Bigfork terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock First State Bank of Bigfork, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Non-performing loans (90+ days past due or non-accrual) exceed 3% of total loans, well above the typical community-bank range of 0.5–1.5%. BankRegReports band vs the 0.5–1.5% industry norm.
First State Bank of Bigfork rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for First State Bank of Bigfork: Texas Ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 19.22% | 0.96% | 5.96% | 37.28% | 3.95% |
| Q1 2026 | 18.99% | 1.21% | 6.39% | 41.24% | 4.26% |
| Q4 2025 | 18.44% | 0.86% | 6.14% | 40.16% | 4.28% |
| Q3 2025 | 17.60% | 0.33% | 6.98% | 43.27% | 3.09% |
| Q2 2025 | 17.46% | 0.88% | 4.50% | 36.96% | 3.82% |
| Q1 2025 | 17.36% | 0.58% | 4.71% | 32.47% | 3.84% |
| Q4 2024 | 16.42% | 0.58% | 4.31% | 29.97% | 4.02% |
| Q3 2024 | — | 0.79% | 4.38% | 34.62% | 3.97% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 2 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First State Bank of Bigfork (main office) | Bigfork , MN | 56628 | $71.9M |
| Kelliher Branch | Kelliher , MN | 56650 | $29.4M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 1, 2011 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2011 | Structure Change | Acquired Citizens State Bank of Kelliher Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
What the public regulatory sources show for First State Bank of Bigfork, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in MN, rank 193 of 279 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about First State Bank of Bigfork
What are First State Bank of Bigfork's total assets?
As of the Q3 2026 filing, First State Bank of Bigfork reported total assets of $118.9 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First State Bank of Bigfork headquartered?
First State Bank of Bigfork is headquartered in Bigfork, MN, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was First State Bank of Bigfork founded?
First State Bank of Bigfork was established in 1912, per the FDIC institution directory.
Is First State Bank of Bigfork FDIC-insured?
Yes. First State Bank of Bigfork is an FDIC-insured commercial bank (FDIC Certificate #10991). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First State Bank of Bigfork?
First State Bank of Bigfork's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is First State Bank of Bigfork's CET1 capital ratio?
First State Bank of Bigfork reported a Common Equity Tier 1 (CET1) capital ratio of 19.21% in its Q3 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First State Bank of Bigfork operate?
First State Bank of Bigfork operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First State Bank of Bigfork's Texas Ratio?
First State Bank of Bigfork's Texas Ratio is 37.12% in its Q3 2026 call report, within the typical range for US community banks (25–50%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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