Total Assets
$114M
Total balance-sheet footings
FDIC Cert #10991 · Bigfork, Minnesota · Est. 1912
First State Bank of Bigfork - FDIC Bank Health Profile
A community-scale look at First State Bank of Bigfork's own numbers, pulled straight from its quarterly FDIC Call Report.
- $114M
- Total assets
- C
- Health grade · Fair
- 0.66%
- Return on assets
- 18.4%
- Tier 1 capital
Data updated July 2026
The verdict
First State Bank of Bigfork earns a PlainBankData health grade of C (62/100), with well-capitalized at 18.44% Tier 1, 0.66% ROA, 71% efficiency ratio.
- #3,633
- largest of 4,313 FDIC banks by assets
- 16th
- percentile by asset size, nationally
- 18.44%
- Tier 1 ratio - above the 10% well-capitalized line
- 22nd
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How First State Bank of Bigfork's 62/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
First State Bank of Bigfork's composite health score
Tier 1 Capital Ratio (18.44%) 40/40
Return on Assets (ROA) (0.66%) 14/25
Texas Ratio (39.44%) 4/20
Efficiency Ratio (71.31%) 4/15
62 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$98M
Customer-funded liabilities
Net Loans
$81M
Outstanding loan book
Net Income
$735K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where First State Bank of Bigfork ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First State Bank of Bigfork's score of 62/100 falls in the highlighted band.
First State Bank of Bigfork'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 State Bank of Bigfork's $114M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
18.44% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
18.44%
Texas Ratio
39.44%
Equity Capital
$13M
Profitability metrics
Return on Assets (ROA)
22nd percentile nationally
0.66%
Return on Equity (ROE)
5.91%
Efficiency Ratio
71.31%
What the numbers say about First State Bank of Bigfork
First State Bank of Bigfork is an FDIC-insured institution (Certificate #10991) headquartered in Bigfork, Minnesota, established in 1912. It holds $114M in total assets - 3,633rd of 4,313 FDIC-insured banks, $98M in customer deposits, and $81M in net loans. Capital-wise, the Tier 1 ratio sits at 18.44%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 39.44%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of C (62 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
First State Bank of Bigfork is a community-scale institution -- 160th of 227 FDIC-insured banks headquartered in Minnesota by asset size. Its modest footprint doesn't diminish its role: community banks this size are typically the primary lender for small local businesses and agricultural borrowers that larger regional banks tend to underserve.
Income & expense breakdown
$6M
Interest Income
$373K
Non-Interest Income
$3M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. First State Bank of Bigfork reports a Texas Ratio of 39.44% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
39.44% - 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 State Bank of Bigfork (FDIC Cert #10991) - 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 State Bank of Bigfork's health grade?▼
First State Bank of Bigfork receives a health grade of C (62/100) 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 State Bank of Bigfork?▼
First State Bank of Bigfork holds $114M in total assets and $98M in deposits, ranking 3,633rd of 4,313 FDIC-insured banks by asset size. It is headquartered in Bigfork, Minnesota.
Is my money safe at First State Bank of Bigfork?▼
Yes, deposits at First State Bank of Bigfork (Certificate #10991) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is First State Bank of Bigfork's Tier 1 Capital Ratio?▼
First State Bank of Bigfork has a Tier 1 Capital Ratio of 18.44%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for First State Bank of Bigfork?▼
First State Bank of Bigfork has a Texas Ratio of 39.44%. Staying under 50% is the level analysts treat as 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 State Bank of Bigfork?▼
First State Bank of Bigfork has an Efficiency Ratio of 71.31%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read First State Bank of Bigfork's profile as a depositor or analyst.
- First State Bank of Bigfork's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare First State Bank of Bigfork 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.