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First State Bank Minnesota
Le Roy, MN · FDIC Certificate #10162 · Chartered 06/0
Total assets
$105.93M
Total deposits
$92.49M
Total equity
$12.04M
Net loans
$85.76M
Branches (offices)
2
Net income (YTD)
$1.04M
Rank: #3,637 of 4,213 U.S. banks by assets · #166 of 221 in Minnesota. Assets changed 8.3% and deposits 8.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.94% |
| Return on equity | 17.64% |
| Net interest margin (YTD) | 4.63% |
| Equity to assets | 11.37% |
| Tier 1 leverage ratio | 11.43% |
| Uninsured deposits (share of deposits) | 15.8% |
| Noncurrent loans (share of loans) | 0.80% |
| Net charge-offs (share of loans) | -0.03% |
| Loans to deposits | 92.7% |
| Real estate loans (share of loans) | 56.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $48.23M | 56.2% | |
| Commercial & industrial | $7.09M | 8.3% | |
| Consumer / individual | $1.61M | 1.9% | |
| Construction & development | $3.35M | 3.9% | |
| Agricultural | $29.93M | 34.9% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $100.64M | $90.94M | $583.00K | $8.56M |
| Jun 2023 | $91.58M | $81.11M | $711.00K | $9.32M |
| Jun 2024 | $93.75M | $82.00M | $569.00K | $9.90M |
| Jun 2025 | $97.78M | $85.47M | $764.00K | $10.86M |
| Jun 2026 | $105.93M | $92.49M | $1.04M | $12.04M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Minnesota | $92.49M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $92.49M.
Similar-sized banks
Breda Savings Bank ($105.99M) · Hometown Community Bank ($105.72M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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