Total Assets
$178M
Total balance-sheet footings
FDIC Cert #5180 · Lonsdale, Minnesota · Est. 1903
The First National Bank of Le Center - FDIC Bank Health Profile
A community-scale look at The First National Bank of Le Center's own numbers, pulled straight from its quarterly FDIC Call Report.
- $178M
- Total assets
- B
- Health grade · Good
- 1.12%
- Return on assets
- 8.5%
- Tier 1 capital
Data updated July 2026
The verdict
The First National Bank of Le Center earns a PlainBankData health grade of B (66/100), with 8.45% Tier 1 capital, profitable at 1.12% ROA, 65% efficiency ratio.
- #3,163
- largest of 4,313 FDIC banks by assets
- 27th
- percentile by asset size, nationally
- 8.45%
- Tier 1 ratio - below the 10% well-capitalized line
- 51st
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How The First National Bank of Le Center's 66/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
The First National Bank of Le Center's composite health score
Tier 1 Capital Ratio (8.45%) 18/40
Return on Assets (ROA) (1.12%) 20/25
Texas Ratio (2.55%) 20/20
Efficiency Ratio (65.01%) 8/15
66 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$158M
Customer-funded liabilities
Net Loans
$127M
Outstanding loan book
Net Income
$2M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where The First National Bank of Le Center ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The First National Bank of Le Center's score of 66/100 falls in the highlighted band.
The First National Bank of Le Center'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). The First National Bank of Le Center's $178M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
8.45% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
8.45%
Texas Ratio
2.55%
Equity Capital
$15M
Profitability metrics
Return on Assets (ROA)
51st percentile nationally
1.12%
Return on Equity (ROE)
12.46%
Efficiency Ratio
65.01%
What the numbers say about The First National Bank of Le Center
The First National Bank of Le Center is an FDIC-insured institution (Certificate #5180) headquartered in Lonsdale, Minnesota, established in 1903. It holds $178M in total assets - 3,163rd of 4,313 FDIC-insured banks, $158M in customer deposits, and $127M in net loans. Capital-wise, the Tier 1 ratio sits at 8.45%, falling short of the federal 10% well-capitalized bar; the Texas Ratio reads 2.55%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of B (66 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
The First National Bank of Le Center sits 123rd of 227 banks headquartered in Minnesota by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$9M
Interest Income
$628K
Non-Interest Income
$4M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. The First National Bank of Le Center reports a Texas Ratio of 2.55% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
2.55% - 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) The First National Bank of Le Center (FDIC Cert #5180) - 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 The First National Bank of Le Center's health grade?▼
The First National Bank of Le Center receives a health grade of B (66/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is The First National Bank of Le Center?▼
The First National Bank of Le Center holds $178M in total assets and $158M in deposits, ranking 3,163rd of 4,313 FDIC-insured banks by asset size. It is headquartered in Lonsdale, Minnesota.
Is my money safe at The First National Bank of Le Center?▼
Yes, deposits at The First National Bank of Le Center (Certificate #5180) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is The First National Bank of Le Center's Tier 1 Capital Ratio?▼
The First National Bank of Le Center has a Tier 1 Capital Ratio of 8.45%. Regulators set the "well-capitalized" bar at 10%; this bank still clears the lower 6% "adequately capitalized" minimum.
What is the Texas Ratio for The First National Bank of Le Center?▼
The First National Bank of Le Center has a Texas Ratio of 2.55%. 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 The First National Bank of Le Center?▼
The First National Bank of Le Center has an Efficiency Ratio of 65.01%. 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 The First National Bank of Le Center's profile as a depositor or analyst.
- The First National Bank of Le Center's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare The First National Bank of Le Center 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.