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 First State Bank and Trust
First State Bank and Trust
| RSSD ID 144856 | CERTIFICATE 10159 | ABA NUMBER 91911551 |
| 950 Highway 95 N |
Quarter Ended : |
2025-12-31 |
| Bayport, Minnesota, 55003 |
Updated : |
2026-01-29 |
| https://www.fsbt.com |
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| Institution Profile |
| Year Opened : |
1914 |
Institution Type : |
Commercial bank |
| Entity Type : |
State |
Federal Regulator : |
FDIC |
| Member Federal Reserve : |
No |
S-Corp : |
Yes |
| Fiduciary Powers : |
Yes |
Powers Exercised : |
Yes |
| Filing Type : |
051 |
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| Specialization : |
Commercial Lending Specialization |
| Number of Offices : |
4 |
Number of Employees : |
82 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 473,210 |
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Total Interest Income | 21,806 |
| Total Liabilities | 434,406 |
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Total NonInterest Income | 9,062 |
| Total Bank Equity Capital | 38,804 |
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Total Interest Expense | 6,718 |
| Total Deposits | 430,370 |
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Total NonInterest Expense | 16,244 |
| Net Loans & Leases | 298,285 |
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Net Income | 7,373 |
| Loan Loss Allowance | 3,811 |
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Net Charge Offs | (7) |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Total capital | 43,878 |
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Total loans | 304,768 |
| Total assets for the leverage ratio | 449,788 |
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Loans secured by real estate: | 254,883 |
| Tier 1 Leverage Ratio | 8.98 |
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Commercial and industrial loans | 28,966 |
| Tier 1 Capital Ratio | 14.49 |
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Loans to individuals - Credit Cards | 0 |
| Total Capital Ratio | 15.74 |
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Loans to individuals - Other | 9,172 |
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:· First State Bank and Trust
