Is First State Bank&Trust Safe?
First State Bank&Trust has a Bank Health Score of 86/100 (A), based on FDIC call report data. Its strongest factor is loan quality (98/100), while profitability is its weakest area (66/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 13.47% | 88/100 |
| Nonperforming Loan Ratio | 0.09% | 98/100 |
| Liquidity Ratio | 23.75% | 75/100 |
| Return on Assets | 1.15% | 66/100 |
| Total Assets | $0.4B | |
How does First State Bank&Trust compare?
With a Bank Health Score of 86/100, First State Bank&Trust sits 16.0 points above the national average of 70/100 for FDIC-insured banks. Within Minnesota, where 225 FDIC-insured banks are headquartered, First State Bank&Trust ranks above the state average of 73/100 (Grade B).
The bank's Tier 1 capital ratio of 13.47% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.09% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, First State Bank&Trust's Bank Health Score fell by 9.0 points to 86/100. Tier 1 capital weakened by 1.23 percentage points to 13.47%. Quarter-over-quarter, the score fell by 1.0 points.
First State Bank&Trust has a Bank Health Score of 86/100 (A), based on FDIC call report data. Its strongest factor is loan quality (98/100), while profitability is its weakest area (66/100).