First Bank Blue Earth (FDIC certificate #5097) is based in Blue Earth, Minnesota. Its Q2 2026 call report shows $322.7M in total assets and $283.2M in deposits and 1 office.
First Bank Blue Earth has a TellerScore of 64 out of 100 (moderate) based on Q2 2026 data — higher than only 26% of its 2,650 banks with $100 million – $1 billion. Among 223 banks headquartered in Minnesota, it ranks 156th. Problem-loan coverage contributes the most (94/100, 3.1%); earnings contributes the least (39/100, 0.48%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 2 points (66 → 64), mostly because the funding & liquidity component weakened by 7 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 66 |
| Q3 2024 | 65 |
| Q4 2024 | 64 |
| Q1 2025 | 64 |
| Q2 2025 | 66 |
| Q3 2025 | 64 |
| Q4 2025 | 67 |
| Q1 2026 | 54 |
| Q2 2026 | 64 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.76% |
| Q3 2024 | 9.64% |
| Q4 2024 | 9.58% |
| Q1 2025 | 9.69% |
| Q2 2025 | 9.76% |
| Q3 2025 | 9.84% |
| Q4 2025 | 9.67% |
| Q1 2026 | 9.52% |
| Q2 2026 | 9.47% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.15% |
| Q3 2024 | 0.35% |
| Q4 2024 | 0.36% |
| Q1 2025 | 0.30% |
| Q2 2025 | 0.31% |
| Q3 2025 | 0.26% |
| Q4 2025 | 0.24% |
| Q1 2026 | 1.06% |
| Q2 2026 | 0.39% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.60% |
| Q3 2024 | 0.60% |
| Q4 2024 | 0.56% |
| Q1 2025 | 0.51% |
| Q2 2025 | 0.40% |
| Q3 2025 | 0.66% |
| Q4 2025 | 0.76% |
| Q1 2026 | 0.06% |
| Q2 2026 | 0.48% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 64 | $322.7M | 9.47% | 0.39% | 0.48% | 74.0% |
| Q1 2026 | 54 | $321.2M | 9.52% | 1.06% | 0.06% | 70.9% |
| Q4 2025 | 67 | $322.3M | 9.67% | 0.24% | 0.76% | 75.1% |
| Q3 2025 | 64 | $305.6M | 9.84% | 0.26% | 0.66% | 80.1% |
| Q2 2025 | 66 | $305.9M | 9.76% | 0.31% | 0.40% | 78.1% |
| Q1 2025 | 64 | $303.4M | 9.69% | 0.30% | 0.51% | 77.5% |
| Q4 2024 | 64 | $311.0M | 9.58% | 0.36% | 0.56% | 74.1% |
| Q3 2024 | 65 | $305.5M | 9.64% | 0.35% | 0.60% | 74.8% |
| Q2 2024 | 66 | $301.3M | 9.76% | 0.15% | 0.60% | 77.5% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Minnesota
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Gateway BankBank Mendota Heights, MN | 71 out of 100, Strong | $319.5M | 8.4% | 0.00% | vs |
| Citizens Bank & Trust Co.Bank Hutchinson, MN | 69 out of 100, Moderate | $329.0M | 8.6% | 0.26% | vs |
| The State Bank of FaribaultBank Faribault, MN | 71 out of 100, Strong | $329.2M | 9.3% | 0.13% | vs |
| Viking Bank, National AssociationBank Alexandria, MN | 70 out of 100, Strong | $330.3M | 9.2% | 0.53% | vs |
| Woodlands National BankBank Hinckley, MN | 62 out of 100, Moderate | $331.0M | 11.2% | 1.42% | vs |
| Citizens Independent BankBank Saint Louis Park, MN | 75 out of 100, Strong | $314.2M | 12.3% | 0.14% | vs |
Deposit insurance
Is my money safe at First Bank Blue Earth?
Yes. First Bank Blue Earth is an FDIC-insured institution (FDIC certificate #5097). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 25.6% of deposits ($72.4M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.47%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
1 location
Branches
First Bank Blue Earth lists 1 office in 1 city. Most locations:
- Blue Earth, MN (1)
Identity & history
Profile
- Legal name
- First Bank Blue Earth
- Former names
- The First National Bank of Blue Earth
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 5097
- RSSD ID
- 147857
- Primary regulator
- FED
- Holding company
- Fnb Bancshares Inc
- Established
- January 1, 1869
- Headquarters
- 306 S Main St, Blue Earth, MN 56013
- Website
- www.firstbankblueearth.com
- Employees
- 34
Quick answers
First Bank Blue Earth: common questions
Is First Bank Blue Earth FDIC insured?
Yes. First Bank Blue Earth is an FDIC-insured institution (FDIC certificate #5097). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is First Bank Blue Earth's TellerScore?
64 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has First Bank Blue Earth ever failed?
There is no failure record for FDIC certificate #5097 in the FDIC failed bank list.
How many branches does First Bank Blue Earth have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Blue Earth
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Financial Bank in WinnebagoBank Winnebago, MN | 82 out of 100, Strong | $58.1M | 13.8% | 0.66% | vs |
| First State BankBank Webster City, IA | 81 out of 100, Strong | $674.3M | 12.4% | 0.12% | vs |
| State Bank of EastonBank Easton, MN | 74 out of 100, Strong | $28.4M | 13.8% | 1.60% | vs |
| Farmers Trust and Savings BankBank Buffalo Center, IA | 74 out of 100, Strong | $422.7M | 9.9% | 0.06% | vs |
| Bank PlusBank Estherville, IA | 72 out of 100, Strong | $144.6M | 10.7% | 0.00% | vs |
| Profinium, Inc.Bank Truman, MN | 72 out of 100, Strong | $533.1M | 10.2% | 0.13% | vs |