Total Assets
$322M
Total balance-sheet footings
FDIC Cert #5097 · Blue Earth, Minnesota · Est. 1869
First Bank Blue Earth - FDIC Bank Health Profile
A community-scale look at First Bank Blue Earth's own numbers, pulled straight from its quarterly FDIC Call Report.
- $322M
- Total assets
- C
- Health grade · Fair
- 0.76%
- Return on assets
- 9.7%
- Tier 1 capital
Data updated July 2026
The verdict
First Bank Blue Earth earns a PlainBankData health grade of C (60/100), with 9.67% Tier 1 capital, 0.76% ROA, 67% efficiency ratio.
- #2,386
- largest of 4,313 FDIC banks by assets
- 45th
- percentile by asset size, nationally
- 9.67%
- Tier 1 ratio - below the 10% well-capitalized line
- 27th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How First Bank Blue Earth's 60/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
First Bank Blue Earth's composite health score
Tier 1 Capital Ratio (9.67%) 18/40
Return on Assets (ROA) (0.76%) 14/25
Texas Ratio (1.99%) 20/20
Efficiency Ratio (66.97%) 8/15
60 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$281M
Customer-funded liabilities
Net Loans
$211M
Outstanding loan book
Net Income
$2M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where First Bank Blue Earth ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First Bank Blue Earth's score of 60/100 falls in the highlighted band.
First Bank Blue Earth's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). First Bank Blue Earth's $322M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
9.67% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
9.67%
Texas Ratio
1.99%
Equity Capital
$23M
Profitability metrics
Return on Assets (ROA)
27th percentile nationally
0.76%
Return on Equity (ROE)
11.25%
Efficiency Ratio
66.97%
What the numbers say about First Bank Blue Earth
First Bank Blue Earth is an FDIC-insured institution (Certificate #5097) headquartered in Blue Earth, Minnesota, established in 1869. It holds $322M in total assets - 2,386th of 4,313 FDIC-insured banks, $281M in customer deposits, and $211M in net loans. Looking at capital strength, Tier 1 stands at 9.67%, under the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 1.99%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of C (60/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Minnesota, First Bank Blue Earth ranks 77th of 227 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$15M
Interest Income
$1M
Non-Interest Income
$6M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. First Bank Blue Earth reports a Texas Ratio of 1.99% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
1.99% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Minnesota by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First Bank Blue Earth (FDIC Cert #5097) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Minnesota
All Minnesota banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Ameriprise Bank, FSBMinneapolis | $25.3B | A | 3.08% |
| Bridgewater BankSaint Louis Park | $5.4B | A | 0.99% |
| Frandsen Bank & TrustLonsdale | $3.7B | A | 1.48% |
| Stearns Bank National AssociationSaint Cloud | $3.3B | A | 1.85% |
| Minnwest BankRedwood Falls | $3.0B | B | 0.92% |
| Merchants Bank, National AssociationWinona | $2.9B | A | 1.23% |
| Tradition Capital BankWayzata | $2.6B | B | 0.71% |
| Think Mutual BankRochester | $2.2B | B | 0.61% |
Frequently asked questions
What is First Bank Blue Earth's health grade?▼
First Bank Blue Earth receives a health grade of C (60/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is First Bank Blue Earth?▼
First Bank Blue Earth holds $322M in total assets and $281M in deposits, ranking 2,386th of 4,313 FDIC-insured banks by asset size. It is headquartered in Blue Earth, Minnesota.
Is my money safe at First Bank Blue Earth?▼
Yes, deposits at First Bank Blue Earth (Certificate #5097) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is First Bank Blue Earth's Tier 1 Capital Ratio?▼
First Bank Blue Earth has a Tier 1 Capital Ratio of 9.67%. The federal "well-capitalized" threshold is 10%. This bank meets the minimum 6% "adequately capitalized" standard.
What is the Texas Ratio for First Bank Blue Earth?▼
First Bank Blue Earth has a Texas Ratio of 1.99%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is First Bank Blue Earth?▼
First Bank Blue Earth has an Efficiency Ratio of 66.97%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read First Bank Blue Earth's profile as a depositor or analyst.
- First Bank Blue Earth's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare First Bank Blue Earth against other Minnesota banks before moving funds. Minnesota banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.