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First State Bank and Trust

$100M-$1B Specialty: Commercial MN FDIC cert 10159

Bayport, MN

4 branches across MN · WI

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 151 in MN.
  • Deposits +25.4% year over year ($455.4M on the books).
  • Delinquency rate 0.03%.
  • Return on assets 1.77%.
  • Efficiency ratio 66.40% vs a 64.48% peer average.
  • Loan-to-deposit ratio 71.56% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 151 in MN
View $100M-$1B leaderboard (MN) →

First State Bank and Trust has 3 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Revenue Diversifier: Top 7.6% in tier
  • + Credit Quality Leader: Top 15.0% in tier
  • + ROA 0.45% above tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 2.0% in tier
  • - Credit Risk Growth: Bottom 10.7% in tier
  • - Net Interest Margin 0.44% below tier average
  • - Efficiency Ratio 1.92% above tier average
Get updates when First State Bank and Trust releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Total Assets ? $499.0M
+19.8% YoY +5.9% QoQ
+$112.4M $386.6M
+1.2% YoY
$524.5M
+5.8% YoY
$6.3B
+7.7% YoY
72%
Total Loans ? $325.9M
+4.8% YoY +6.2% QoQ
+$67.6M $258.3M
+1.7% YoY
$300.2M
+7.3% YoY
$3.2B
+9.4% YoY
71%
Total Deposits ? $455.4M
+25.4% YoY +6.1% QoQ
+$128.7M $326.7M
+0.7% YoY
$452.1M
+5.5% YoY
$4.9B
+7.3% YoY
75%
Return on Assets ? 1.77%
+9.6% YoY +9.8% QoQ
+0.45% 1.32%
+10.8% YoY
1.26%
+17.2% YoY
1.30%
+12.1% YoY
79%
Net Interest Margin ? 3.55%
-2.8% YoY +3.6% QoQ
-0.44% 3.99%
+5.0% YoY
4.00%
+6.8% YoY
3.95%
+4.9% YoY
30%
Efficiency Ratio ? 66.40%
-0.9% YoY -3.4% QoQ
+1.92% 64.48%
-3.2% YoY
63.00%
-3.5% YoY
70.05%
+2.5% YoY
38%
Delinquency Rate ? 0.03%
+14.5% YoY
-0.89% 0.92%
+15.7% YoY
1.01%
+19.3% YoY
0.98%
+16.3% YoY
82%
Loan-to-Deposit Ratio ? 71.56%
-16.4% YoY +0.1% QoQ
-6.39% 77.95%
+1.0% YoY
78.29%
-0.6% YoY
79.03%
+2.3% YoY
67%
Non-Interest-Bearing Deposit Share ? 24.16%
+14.4% YoY +21.8% QoQ
+2.13% 22.03%
-0.6% YoY
21.79%
+0.9% YoY
21.98%
-0.6% YoY
63%
Nonperforming Asset Ratio ? 0.02%
+0.2% YoY
-0.65% 0.67%
+16.4% YoY
0.76%
+16.9% YoY
0.69%
+15.8% YoY
84%
Tier 1 Capital Ratio ? 13.56%
+1.2% YoY -5.5% QoQ
-2.35% 15.91%
+1.4% YoY
15.35%
-0.4% YoY
17.09%
+0.8% YoY
54%
Non-Interest Income / Assets ? 1.00%
-7.2% YoY +89.8% QoQ
+0.43% 0.57%
+7.6% YoY
0.31%
+3.9% YoY
0.66%
+5.2% YoY
Top 3.4% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Noninterest-Bearing 24.2%
+3.0pp YoY
+4.3pp QoQ
 +2.0pp 22.1% 21.9% 22.2% 63%
Brokered Deposits 1.1%
-0.1pp QoQ
 -6.8pp 7.9% 8.3% 8.5% 20%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
C&I 8.3%
-0.4pp YoY
-0.4pp QoQ
 -3.3pp 11.6% 14.6% 12.5% 42%
CRE 44.4%
+1.7pp YoY
+2.1pp QoQ
 +4.9pp 39.5% 36.5% 41.4% 61%
1-4 Family 40.9%
-1.3pp YoY
-0.5pp QoQ
 +8.2pp 32.6% 29.4% 31.3% 71%
Consumer 2.6%
0.0pp YoY
-0.3pp QoQ
 -1.5pp 4.1% 4.5% 5.0% 55%

Capital

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
CET1 Ratio 13.6%
+0.2pp YoY
-0.8pp QoQ
 -5.3pp 18.8% 16.5% 19.7% 34%
Leverage Ratio 8.9%
-0.3pp YoY
-0.1pp QoQ
 -3.3pp 12.2% 11.0% 12.6% 11%
Total Capital Ratio 14.8%
+0.2pp YoY
-0.8pp QoQ
 -5.1pp 19.9% 17.6% 20.8% 36%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Full-Time Employees 81
+2 (+2.5%) YoY
+2 (+2.5%) QoQ
 +22 58 55 482 77%
Assets per Employee ($) $6.2M
+16.8% YoY
+3.3% QoQ
 -$1.4M $7.5M $8.6M $8.8M 36%
Branch Count 4
0 YoY
0 QoQ
 -1 4 4 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.4% 0.4% n/a
Nonaccrual 0.0% -0.9pp 0.9% 1.0% 1.0% 8%
Allowance Coverage 38.39x
-13.0% YoY
 +14.24x 24.15x 20.41x 20.23x 93%
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.2% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
ROE 21.7%
+2.2pp YoY
+2.1pp QoQ
 +9.5pp 12.2% 13.1% 11.6% 92%
Cost of Funds (YTD) 1.7%
0.0pp YoY
0.0pp QoQ
 -0.1pp 1.7% 1.7% 1.7% 48%
Net Income ($, YTD) $4.3M
+26.4% YoY
— QoQ
 +$1.7M $2.6M $4.5M $40.4M 82%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (2)

Revenue Diversifier

growth
#51 of 661 • Top 7.6% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 1.00%
(Tier: 0.57%, National: 0.66%)
better than tier avg
Return on Assets: 1.77%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Credit Quality Leader

growth
#100 of 659 • Top 15.0% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.03%
(Tier: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Concerns (2)

Credit Quality Pressure

risk
#26 of 1256 • Bottom 2.0% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.03%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ

Credit Risk Growth

risk
#101 of 936 • Bottom 10.7% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (5 metrics)

92
Non-Interest Income / Assets
revenue_mix
Value: 1.00%
Peer Median: 0.57%
#92 of 2643 Top 3.4% in $100M-$1B
428
Nonperforming Asset Ratio
credit_quality
Value: 0.02%
Peer Median: 0.67%
#428 of 2643 Top 16.2% in $100M-$1B
472
Delinquency Rate
credit_quality
Value: 0.03%
Peer Median: 0.92%
#472 of 2633 Top 17.9% in $100M-$1B
558
Return on Assets
profitability
Value: 1.77%
Peer Median: 1.32%
#558 of 2643 Top 21.1% in $100M-$1B
650
Total Deposits
size
Value: $455.45M
Peer Median: $326.73M
#650 of 2643 Top 24.6% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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