TellerScore

First Resource Bank is a state-chartered bank headquartered in Lino Lakes, Minnesota, in business for about 21 years. At the end of Q2 2026 it reported $1.1B in total assets and $893.3M in deposits, with 8 offices across 2 states.

First Resource Bank has a TellerScore of 66 out of 100 (moderate) based on Q2 2026 data — higher than only 40% of its 897 banks with $1 billion – $10 billion. Among 223 banks headquartered in Minnesota, it ranks 139th. Problem-loan coverage contributes the most (99/100, 0.7%); capital cushion contributes the least (33/100, 8.34%).

TellerScore · Q2 2026

Scorecard

Capital cushion33/100
Tier 1 leverage ratio: 8.34%
Loan quality97/100
Noncurrent loans ÷ total loans: 0.09%
Earnings56/100
Return on assets (annualized): 0.90%
Funding & liquidity73/100
Loans ÷ deposits and uninsured-deposit share: 87.5% · 15.1% uninsured
Problem-loan coverage99/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.67%

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 rose 8 points (58 → 66), mostly because the funding & liquidity component improved by 33 points.

TellerScore
556166Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202460
Q3 202458
Q4 202459
Q1 202557
Q2 202558
Q3 202560
Q4 202555
Q1 202661
Q2 202666
Tier 1 leverage ratio
5.00%7.15%9.29%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.55%
Q3 20248.29%
Q4 20248.42%
Q1 20258.14%
Q2 20258.13%
Q3 20258.09%
Q4 20258.14%
Q1 20269.29%
Q2 20268.34%
Noncurrent loans
0.01%0.28%0.55%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.01%
Q3 20240.01%
Q4 20240.03%
Q1 20250.32%
Q2 20250.30%
Q3 20250.09%
Q4 20250.55%
Q1 20260.32%
Q2 20260.09%
Return on assets
0.65%0.77%0.90%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.71%
Q3 20240.73%
Q4 20240.75%
Q1 20250.75%
Q2 20250.79%
Q3 20250.82%
Q4 20250.65%
Q1 20260.67%
Q2 20260.90%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202666$1.1B8.34%0.09%0.90%87.5%
Q1 202661$866.9M9.29%0.32%0.67%101.9%
Q4 202555$826.7M8.14%0.55%0.65%98.2%
Q3 202560$765.7M8.09%0.09%0.82%99.6%
Q2 202558$735.9M8.13%0.30%0.79%101.8%
Q1 202557$689.4M8.14%0.32%0.75%101.1%
Q4 202459$660.7M8.42%0.03%0.75%105.1%
Q3 202458$641.2M8.29%0.01%0.73%105.1%
Q2 202460$608.7M8.55%0.01%0.71%111.4%

897 peers · $1 billion – $10 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).

Capital ratio8.34%
4th
Total risk-based capital12.77%
38th
Problem loans0.09%
88th
Net charge-offs0.64%
6th
Return on assets0.90%
23rd
Net interest margin3.88%
61st
Efficiency ratio64.2%
34th
Loans to deposits87.5%
49th
Uninsured deposits15.1%
91st
Loan-loss reserves1.06%
38th
Texas ratio0.7%
88th

Similar-size banks in Minnesota

InstitutionScoreAssetsCapitalProblem loansCompare
The First National Bank of BemidjiBank Bemidji, MN62 out of 100, Moderate$1.1B11.1%1.99%vs
MidCountry BankBank Minneapolis, MN72 out of 100, Strong$1.1B13.0%0.90%vs
United Bankers' BankBank Richfield, MN74 out of 100, Strong$1.1B14.5%0.76%vs
Premier BankBank Maplewood, MN76 out of 100, Strong$1.2B10.2%0.00%vs
Security Bank & Trust CompanyBank Glencoe, MN74 out of 100, Strong$1.3B9.4%0.34%vs
Citizens Alliance BankBank Clara City, MN47 out of 100, Below average$1.4B9.8%1.48%vs

Deposit insurance

Is my money safe at First Resource Bank?

Yes. First Resource Bank is an FDIC-insured institution (FDIC certificate #58039). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 15.1% of deposits ($135.0M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 8.34%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.77% (benchmark: 10%).

Check how much of your own balance is covered

8 locations

Branches

First Resource Bank lists 7 offices in 7 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, First Resource Bank reported 72 home-loan applications under HMDA (LEI 254900G7NNSN8LRSPM89): 69 originated ($73,965,000 total), 1 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 1.4%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
First Resource Bank
Type
State-chartered bank
FDIC certificate #
58039
RSSD ID
3314043
Primary regulator
FDIC
Holding company
Ameri Financial Group Inc
Established
June 27, 2005
Headquarters
7449 Village Dr, Lino Lakes, MN 55014
Employees
112

Quick answers

First Resource Bank: common questions

Is First Resource Bank FDIC insured?

Yes. First Resource Bank is an FDIC-insured institution (FDIC certificate #58039). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First Resource Bank's TellerScore?

66 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 Resource Bank ever failed?

There is no failure record for FDIC certificate #58039 in the FDIC failed bank list.

How many branches does First Resource Bank have?

8 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Lino Lakes

InstitutionScoreAssetsCapitalProblem loansCompare
Carpenters Federal Credit UnionCredit union Saint Paul, MN86 out of 100, Very strong$44.3M16.0%1.01%vs
PrinsBankBank Prinsburg, MN85 out of 100, Very strong$308.3M12.0%0.29%vs
Pipefitters-Steamfitters Credit UnionCredit union Woodbury, MN83 out of 100, Strong$51.6M13.4%1.07%vs
Security State Bank of MarineBank Marine On St. Croix, MN82 out of 100, Strong$232.5M10.9%0.13%vs
Members Choice Wv Federal Credit UnionCredit union Charleston, WV81 out of 100, Strong$93.6M21.6%1.03%vs
Genisys Credit UnionCredit union Auburn Hills, MI81 out of 100, Strong$6.6B15.5%1.09%vs