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First State Bank of Le Center

$100M-$1B Specialty: Agricultural MN FDIC cert 9330

Le Center, MN

2 branches across MN

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 -1.1% year over year ($92.3M on the books).
  • Delinquency rate 0.82%.
  • Return on assets 1.86%.
  • Efficiency ratio 56.05% vs a 64.48% peer average.
  • Loan-to-deposit ratio 83.26% 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 of Le Center demonstrates 4 strengths

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

  • + Profitability Leader: Top 12.7% in tier
  • + Net Interest Margin 0.70% above tier average
  • + Efficiency Ratio 8.43% below tier average
  • + Delinquency Rate 0.09% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when First State Bank of Le Center releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Total Assets ? $110.4M
+0.0% YoY -0.4% QoQ
-$276.2M $386.6M
+1.2% YoY
$524.5M
+5.8% YoY
$6.3B
+7.7% YoY
Bottom 2.9% in tier
Total Loans ? $76.9M
+9.5% YoY +2.2% QoQ
-$181.5M $258.3M
+1.7% YoY
$300.2M
+7.3% YoY
$3.2B
+9.4% YoY
Bottom 9.2% in tier
Total Deposits ? $92.3M
-1.1% YoY -0.6% QoQ
-$234.4M $326.7M
+0.7% YoY
$452.1M
+5.5% YoY
$4.9B
+7.3% YoY
Bottom 3.3% in tier
Return on Assets ? 1.86%
+69.7% YoY +2.6% QoQ
+0.54% 1.32%
+10.8% YoY
1.26%
+17.2% YoY
1.30%
+12.1% YoY
83%
Net Interest Margin ? 4.69%
+9.2% YoY +2.1% QoQ
+0.70% 3.99%
+5.0% YoY
4.00%
+6.8% YoY
3.95%
+4.9% YoY
Top 14.7% in tier
Efficiency Ratio ? 56.05%
-8.3% YoY -0.5% QoQ
-8.43% 64.48%
-3.2% YoY
63.00%
-3.5% YoY
70.05%
+2.5% YoY
69%
Delinquency Rate ? 0.82%
+849.0% YoY -8.6% QoQ
-0.09% 0.92%
+15.7% YoY
1.01%
+19.3% YoY
0.98%
+16.3% YoY
33%
Loan-to-Deposit Ratio ? 83.26%
+10.7% YoY +2.8% QoQ
+5.31% 77.95%
+1.0% YoY
78.29%
-0.6% YoY
79.03%
+2.3% YoY
43%
Non-Interest-Bearing Deposit Share ? 23.14%
+5.0% YoY +1.2% QoQ
+1.11% 22.03%
-0.6% YoY
21.79%
+0.9% YoY
21.98%
-0.6% YoY
60%
Nonperforming Asset Ratio ? 0.57%
+939.0% YoY -6.2% QoQ
-0.09% 0.67%
+16.4% YoY
0.76%
+16.9% YoY
0.69%
+15.8% YoY
36%
Tier 1 Capital Ratio ? 13.68%
+10.0% YoY +5.8% QoQ
-2.23% 15.91%
+1.4% YoY
15.35%
-0.4% YoY
17.09%
+0.8% YoY
55%
Non-Interest Income / Assets ? 0.14%
+27.7% YoY +134.9% QoQ
-0.43% 0.57%
+7.6% YoY
0.31%
+3.9% YoY
0.66%
+5.2% YoY
30%

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 23.1%
+1.1pp YoY
+0.3pp QoQ
 +1.0pp 22.1% 21.9% 22.2% 59%
Brokered Deposits n/a n/a 7.9% 8.3% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
C&I 13.5%
0.0pp YoY
+0.7pp QoQ
 +1.9pp 11.6% 14.6% 12.5% 70%
CRE n/a n/a 39.5% 36.5% 41.4% n/a
1-4 Family 33.8%
0.0pp YoY
-0.3pp QoQ
 +1.2pp 32.6% 29.4% 31.3% 59%
Consumer 8.2%
-1.5pp YoY
-0.4pp QoQ
 +4.1pp 4.1% 4.5% 5.0% 89%

Capital

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
CET1 Ratio 13.7%
+1.2pp YoY
+0.8pp QoQ
 -5.1pp 18.8% 16.5% 19.7% 36%
Leverage Ratio 11.1%
+0.6pp YoY
+0.5pp QoQ
 -1.0pp 12.2% 11.0% 12.6% 53%
Total Capital Ratio 14.7%
+1.1pp YoY
+0.8pp QoQ
 -5.2pp 19.9% 17.6% 20.8% 35%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Full-Time Employees 17
0 YoY
+1 (+6.2%) QoQ
 -42 58 55 482 7%
Assets per Employee ($) $6.5M
0.0% YoY
-6.3% QoQ
 -$1.0M $7.5M $8.6M $8.8M 43%
Branch Count 2
0 YoY
0 QoQ
 -3 4 4 18 11%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
-0.1pp QoQ
 -0.3pp 0.3% 0.4% 0.4% 22%
Nonaccrual 0.8%
+0.8pp YoY
0.0pp QoQ
 -0.1pp 0.9% 1.0% 1.0% 66%
Allowance Coverage 1.51x
-91.5% YoY
+8.7% QoQ
 -22.65x 24.15x 20.41x 20.23x 39%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
 -0.2pp 0.1% 0.2% 0.2% 14%

Profitability

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
ROE 17.5%
+6.7pp YoY
+0.2pp QoQ
 +5.3pp 12.2% 13.1% 11.6% 80%
Cost of Funds (YTD) 1.1%
0.0pp YoY
0.0pp QoQ
 -0.6pp 1.7% 1.7% 1.7% 14%
Net Income ($, YTD) $1.0M
+75.2% YoY
— QoQ
 -$1.5M $2.6M $4.5M $40.4M 28%

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 (1)

Profitability Leader

growth
#85 of 661 • Top 12.7% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 1.86%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

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 (2 metrics)

389
Net Interest Margin
profitability
Value: 4.69%
Peer Median: 3.99%
#389 of 2643 Top 14.7% in $100M-$1B
451
Return on Assets
profitability
Value: 1.86%
Peer Median: 1.32%
#451 of 2643 Top 17.0% in $100M-$1B

Top Weaknesses (3 metrics)

2568
Total Assets
size
Value: $110.42M
Peer Median: $386.57M
#2568 of 2643 Bottom 2.9% in $100M-$1B
2558
Total Deposits
size
Value: $92.30M
Peer Median: $326.73M
#2558 of 2643 Bottom 3.3% in $100M-$1B
2402
Total Loans
size
Value: $76.85M
Peer Median: $258.35M
#2402 of 2643 Bottom 9.2% in $100M-$1B
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