TellerScore

First State Bank of Bigfork is a state-chartered bank headquartered in Bigfork, Minnesota, in business for about 114 years. At the end of Q2 2026 it reported $117.4M in total assets and $101.3M in deposits, with 2 offices.

Based on its Q2 2026 filing, First State Bank of Bigfork scores 46/100, which we describe as below average. That is higher than only 5% of 2,650 banks with $100 million – $1 billion. Among 223 banks headquartered in Minnesota, it ranks 211th. Its strongest component is funding & liquidity (81/100; 79% loans-to-deposits, 11% uninsured), and its lowest is loan quality (0/100; 6.39%).

TellerScore · Q2 2026

Scorecard

Capital cushion63/100
Tier 1 leverage ratio: 11.33%
Loan quality0/100
Noncurrent loans ÷ total loans: 6.39%
Earnings64/100
Return on assets (annualized): 1.10%
Funding & liquidity81/100
Loans ÷ deposits and uninsured-deposit share: 78.8% · 11.3% uninsured
Problem-loan coverage25/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 37.28%

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 (43 → 46), mostly because the earnings component improved by 15 points.

TellerScore
404447Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202442
Q3 202443
Q4 202443
Q1 202542
Q2 202543
Q3 202540
Q4 202542
Q1 202647
Q2 202646
Tier 1 leverage ratio
5.00%8.28%11.57%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.35%
Q3 202411.57%
Q4 202411.48%
Q1 202511.25%
Q2 202511.41%
Q3 202511.39%
Q4 202511.41%
Q1 202611.21%
Q2 202611.33%
Noncurrent loans
4.50%5.82%7.14%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20244.82%
Q3 20245.18%
Q4 20244.50%
Q1 20255.06%
Q2 20255.83%
Q3 20256.99%
Q4 20256.67%
Q1 20267.14%
Q2 20266.39%
Return on assets
0.58%0.90%1.22%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.67%
Q3 20240.71%
Q4 20240.68%
Q1 20250.58%
Q2 20250.73%
Q3 20250.59%
Q4 20250.66%
Q1 20261.22%
Q2 20261.10%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202646$117.4M11.33%6.39%1.10%78.8%
Q1 202647$118.2M11.21%7.14%1.22%77.5%
Q4 202542$113.7M11.41%6.67%0.66%82.9%
Q3 202540$111.1M11.39%6.99%0.59%85.8%
Q2 202543$110.0M11.41%5.83%0.73%86.9%
Q1 202542$111.6M11.25%5.06%0.58%85.6%
Q4 202443$108.4M11.48%4.50%0.68%90.6%
Q3 202443$105.9M11.57%5.18%0.71%93.0%
Q2 202442$104.1M11.35%4.82%0.67%92.9%

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 ratio11.33%
56th
Total risk-based capital20.47%
87th
Problem loans6.39%
1st
Net charge-offs-0.08%
97th
Return on assets1.10%
40th
Net interest margin4.20%
65th
Efficiency ratio65.5%
41st
Loans to deposits78.8%
52nd
Uninsured deposits11.3%
91st
Loan-loss reserves1.40%
72nd
Texas ratio37.3%
1st

Similar-size banks in Minnesota

InstitutionScoreAssetsCapitalProblem loansCompare
Mid-Central National BankBank Wadena, MN77 out of 100, Strong$117.1M14.9%0.76%vs
Rushford State Bank (Incorporated)Bank Rushford, MN54 out of 100, Below average$114.7M7.0%0.93%vs
Global Innovations BankBank Kiester, MN70 out of 100, Strong$120.1M8.5%0.03%vs
Security State Bank of AitkinBank Aitkin, MN56 out of 100, Moderate$114.5M10.8%2.24%vs
Heritage Bank MinnesotaBank West Concord, MN57 out of 100, Moderate$120.9M7.3%0.64%vs
Farmers State Bank of UnderwoodBank Underwood, MN74 out of 100, Strong$113.8M8.6%0.03%vs

Deposit insurance

Is my money safe at First State Bank of Bigfork?

Yes. First State Bank of Bigfork is an FDIC-insured institution (FDIC certificate #10991). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 11.3% of deposits ($11.4M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.33%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 20.47% (benchmark: 10%).

Check how much of your own balance is covered

2 locations

Branches

First State Bank of Bigfork lists 2 offices in 2 cities. Most locations:

  • Bigfork, MN (1)
  • Kelliher, MN (1)

All branch addresses and map

Identity & history

Profile

Legal name
First State Bank of Bigfork
Former names
First State Bank of Big Fork
Type
State-chartered bank
FDIC certificate #
10991
RSSD ID
364850
Primary regulator
FDIC
Holding company
Bigfork Bancshares Inc
Established
August 12, 1912
Headquarters
400 Main Avenue, Bigfork, MN 56628
Employees
22

Quick answers

First State Bank of Bigfork: common questions

Is First State Bank of Bigfork FDIC insured?

Yes. First State Bank of Bigfork is an FDIC-insured institution (FDIC certificate #10991). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First State Bank of Bigfork's TellerScore?

46 out of 100 (Below average), 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 of Bigfork ever failed?

There is no failure record for FDIC certificate #10991 in the FDIC failed bank list.

How many branches does First State Bank of Bigfork have?

2 offices as of the latest FDIC data.