Total Assets
$152M
Total balance-sheet footings
FDIC Cert #9769 · Rosemount, Minnesota · Est. 1909
The First State Bank of Rosemount - FDIC Bank Health Profile
This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.
- $152M
- Total assets
- F
- Health grade · At Risk
- 0.11%
- Return on assets
- 8.8%
- Tier 1 capital
Data updated July 2026
The verdict
The First State Bank of Rosemount earns a PlainBankData health grade of F (25/100), with 8.78% Tier 1 capital, 0.11% ROA, 86% efficiency ratio.
- #3,336
- largest of 4,313 FDIC banks by assets
- 23rd
- percentile by asset size, nationally
- 8.78%
- Tier 1 ratio - below the 10% well-capitalized line
- 7th
- percentile for profitability (ROA), nationally
A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.
How The First State Bank of Rosemount's 25/100 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 State Bank of Rosemount's composite health score
Tier 1 Capital Ratio (8.78%) 18/40
Return on Assets (ROA) (0.11%) 7/25
Texas Ratio (52.18%) 0/20
Efficiency Ratio (86.18%) 0/15
25 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$144M
Customer-funded liabilities
Net Loans
$107M
Outstanding loan book
Net Income
$154K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where The First State Bank of Rosemount ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The First State Bank of Rosemount's score of 25/100 falls in the highlighted band.
The First State Bank of Rosemount'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 State Bank of Rosemount's $152M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
8.78% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
8.78%
Texas Ratio
52.18%
Equity Capital
$7M
Profitability metrics
Return on Assets (ROA)
7th percentile nationally
0.11%
Return on Equity (ROE)
2.53%
Efficiency Ratio
86.18%
What the numbers say about The First State Bank of Rosemount
The First State Bank of Rosemount is an FDIC-insured institution (Certificate #9769) headquartered in Rosemount, Minnesota, established in 1909. It holds $152M in total assets - 3,336th of 4,313 FDIC-insured banks, $144M in customer deposits, and $107M in net loans. Looking at capital strength, Tier 1 stands at 8.78%, under the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 52.18%, above the 50% mark that flags elevated risk. It earns a PlainBankData health grade of F (25/100), 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.
By assets, The First State Bank of Rosemount ranks 131st of 227 banks based in Minnesota -- squarely in the community-bank tier. Size alone doesn't determine a bank's local importance; a bank this size often has deeper, longer-standing relationships with the specific businesses and depositors it serves than a much larger institution would.
Income & expense breakdown
$7M
Interest Income
$261K
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 State Bank of Rosemount reports a Texas Ratio of 52.18% - elevated, troubled assets are consuming a meaningful share of capital and reserves.
Texas Ratio
Caution 50%
52.18% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
What to watch at The First State Bank of Rosemount
The First State Bank of Rosemount's grade of F reflects specific pressure points in the FDIC Call Report. Its Texas Ratio of 52.18% sits above the 50% level analysts flag, meaning non-performing loans are consuming a meaningful share of loss-absorbing capital. Its Tier 1 capital ratio of 8.78% is below the 10% "well-capitalized" benchmark.
Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at The First State Bank of Rosemount up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.
Top banks in Minnesota by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The First State Bank of Rosemount (FDIC Cert #9769) - 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 State Bank of Rosemount's health grade?▼
The First State Bank of Rosemount receives a health grade of F (25/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank has significant financial challenges. All deposits remain FDIC-insured up to $250,000.
How large is The First State Bank of Rosemount?▼
The First State Bank of Rosemount holds $152M in total assets and $144M in deposits, ranking 3,336th of 4,313 FDIC-insured banks by asset size. It is headquartered in Rosemount, Minnesota.
Is my money safe at The First State Bank of Rosemount?▼
Yes, deposits at The First State Bank of Rosemount (Certificate #9769) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is The First State Bank of Rosemount's Tier 1 Capital Ratio?▼
The First State Bank of Rosemount has a Tier 1 Capital Ratio of 8.78%. The federal "well-capitalized" threshold is 10%. This bank meets the minimum 6% "adequately capitalized" standard.
What is the Texas Ratio for The First State Bank of Rosemount?▼
The First State Bank of Rosemount has a Texas Ratio of 52.18%. Crossing 50% is the point where analysts flag elevated credit risk. 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 State Bank of Rosemount?▼
The First State Bank of Rosemount has an Efficiency Ratio of 86.18%. 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 The First State Bank of Rosemount's profile as a depositor or analyst.
- The First State Bank of Rosemount's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare The First State Bank of Rosemount 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.