TellerScore

First State Bank is a state-chartered bank headquartered in Buxton, North Dakota, in business for about 141 years. At the end of Q2 2026 it reported $424.2M in total assets and $371.9M in deposits, with 5 offices.

First State Bank has a TellerScore of 75 out of 100 (strong) based on Q2 2026 data — higher than 61% of its 2,650 banks with $100 million – $1 billion. Among 60 banks headquartered in North Dakota, it ranks 18th. Loan quality contributes the most (100/100, 0.00%); funding & liquidity contributes the least (40/100, 104% loans-to-deposits, 29% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion48/100
Tier 1 leverage ratio: 9.83%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings100/100
Return on assets (annualized): 2.08%
Funding & liquidity40/100
Loans ÷ deposits and uninsured-deposit share: 104.4% · 28.8% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.00%

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 3 points (72 → 75), mostly because the earnings component improved by 19 points.

TellerScore
677175Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202467
Q3 202467
Q4 202467
Q1 202572
Q2 202572
Q3 202572
Q4 202571
Q1 202674
Q2 202675
Tier 1 leverage ratio
5.00%7.47%9.94%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.90%
Q3 20249.75%
Q4 20249.73%
Q1 20259.48%
Q2 20259.62%
Q3 20259.94%
Q4 20259.65%
Q1 20269.90%
Q2 20269.83%
Noncurrent loans
0.00%0.15%0.30%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.01%
Q3 20240.01%
Q4 20240.01%
Q1 20250.01%
Q2 20250.01%
Q3 20250.01%
Q4 20250.00%
Q1 20260.30%
Q2 20260.00%
Return on assets
0.95%1.53%2.11%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.00%
Q3 20241.03%
Q4 20240.95%
Q1 20251.42%
Q2 20251.52%
Q3 20251.54%
Q4 20251.45%
Q1 20262.11%
Q2 20262.08%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202675$424.2M9.83%0.00%2.08%104.4%
Q1 202674$413.4M9.90%0.30%2.11%96.6%
Q4 202571$409.7M9.65%0.00%1.45%99.4%
Q3 202572$402.9M9.94%0.01%1.54%108.1%
Q2 202572$395.0M9.62%0.01%1.52%101.7%
Q1 202572$430.3M9.48%0.01%1.42%88.8%
Q4 202467$380.6M9.73%0.01%0.95%103.3%
Q3 202467$386.7M9.75%0.01%1.03%106.7%
Q2 202467$372.9M9.90%0.01%1.00%107.6%

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).

Capital ratio9.83%
27th
Total risk-based capital0.00%
24th
Problem loans0.00%
94th
Net charge-offs0.14%
16th
Return on assets2.08%
88th
Net interest margin4.08%
58th
Efficiency ratio46.8%
89th
Loans to deposits104.4%
6th
Uninsured deposits28.8%
32nd
Loan-loss reserves1.18%
49th
Texas ratio0.0%
95th

Similar-size banks in North Dakota

InstitutionScoreAssetsCapitalProblem loansCompare
Dakota Heritage BankBank Hunter, ND63 out of 100, Moderate$416.8M9.8%1.62%vs
Dakota Western BankBank Bowman, ND76 out of 100, Strong$416.2M11.6%0.84%vs
The Bank of TiogaBank Tioga, ND63 out of 100, Moderate$412.1M9.4%1.15%vs
Kirkwood Bank & Trust Co.Bank Bismarck, ND80 out of 100, Strong$351.3M9.9%0.00%vs
TruCommunity BankBank Garrison, ND58 out of 100, Moderate$338.2M11.1%2.18%vs
Stock Growers BankBank Forman, ND86 out of 100, Very strong$332.9M11.6%0.05%vs

Deposit insurance

Is my money safe at First State Bank?

Yes. First State Bank is an FDIC-insured institution (FDIC certificate #15539). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 28.8% of deposits ($107.0M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.83%, 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%).

Check how much of your own balance is covered

5 locations

Branches

First State Bank lists 5 offices in 5 cities. Most locations:

  • Buxton, ND (1)
  • Grand Forks, ND (1)
  • Mayville, ND (1)
  • Portland, ND (1)
  • Thompson, ND (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, First State Bank reported 83 home-loan applications under HMDA (LEI 549300R8N9KVQUKVNJ71): 82 originated ($21,130,000 total), 0 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.0%, 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 State Bank
Former names
First State Bank of Buxton
Type
State-chartered bank
FDIC certificate #
15539
RSSD ID
917050
Primary regulator
FDIC
Holding company
Full Service Ins Agency Inc
Established
January 1, 1885
Headquarters
423 Broadway, Buxton, ND 58218
Employees
42

Quick answers

First State Bank: common questions

Is First State Bank FDIC insured?

Yes. First State Bank is an FDIC-insured institution (FDIC certificate #15539). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First State Bank's TellerScore?

75 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has First State Bank ever failed?

There is no failure record for FDIC certificate #15539 in the FDIC failed bank list.

How many branches does First State Bank have?

5 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Buxton

InstitutionScoreAssetsCapitalProblem loansCompare
University Federal Credit UnionCredit union Grand Forks, ND91 out of 100, Very strong$46.1M14.4%0.72%vs
Med Park Credit UnionCredit union Grand Forks, ND86 out of 100, Very strong$18.1M16.5%0.04%vs
Northern Valley Federal Credit UnionCredit union Grand Forks, ND84 out of 100, Strong$20.3M13.3%0.04%vs
Riverfork Federal Credit UnionCredit union Grand Forks, ND78 out of 100, Strong$31.2M13.9%0.70%vs
KodaBankBank Drayton, ND75 out of 100, Strong$559.8M10.3%0.30%vs
Choice Financial GroupBank Fargo, ND73 out of 100, Strong$6.4B10.8%0.68%vs