TellerScore

First State Bank of Le Center (FDIC certificate #9330) is based in Le Center, Minnesota. Its Q2 2026 call report shows $110.4M in total assets and $92.3M in deposits and 2 offices.

First State Bank of Le Center has a TellerScore of 76 out of 100 (strong) based on Q2 2026 data — higher than 64% of its 2,650 banks with $100 million – $1 billion. Among 223 banks headquartered in Minnesota, it ranks 56th. Earnings contributes the most (94/100, 1.86%); capital cushion contributes the least (61/100, 11.15%).

TellerScore · Q2 2026

Scorecard

Capital cushion61/100
Tier 1 leverage ratio: 11.15%
Loan quality73/100
Noncurrent loans ÷ total loans: 0.81%
Earnings94/100
Return on assets (annualized): 1.86%
Funding & liquidity77/100
Loans ÷ deposits and uninsured-deposit share: 83.3% · 14.0% uninsured
Problem-loan coverage90/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 4.87%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (77 → 76).

TellerScore
687582Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202479
Q3 202482
Q4 202476
Q1 202571
Q2 202577
Q3 202568
Q4 202569
Q1 202674
Q2 202676
Tier 1 leverage ratio
5.00%8.11%11.22%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.85%
Q3 202411.22%
Q4 202410.95%
Q1 202510.61%
Q2 202510.57%
Q3 202510.77%
Q4 202510.63%
Q1 202610.67%
Q2 202611.15%
Noncurrent loans
0.06%0.62%1.18%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.22%
Q3 20240.06%
Q4 20240.49%
Q1 20250.90%
Q2 20250.09%
Q3 20251.18%
Q4 20250.90%
Q1 20260.89%
Q2 20260.81%
Return on assets
1.10%1.48%1.86%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.52%
Q3 20241.49%
Q4 20241.35%
Q1 20251.41%
Q2 20251.10%
Q3 20251.35%
Q4 20251.25%
Q1 20261.81%
Q2 20261.86%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202676$110.4M11.15%0.81%1.86%83.3%
Q1 202674$110.9M10.67%0.89%1.81%81.0%
Q4 202569$113.8M10.63%0.90%1.25%77.7%
Q3 202568$111.2M10.77%1.18%1.35%78.0%
Q2 202577$110.4M10.57%0.09%1.10%75.2%
Q1 202571$109.0M10.61%0.90%1.41%73.5%
Q4 202476$105.2M10.95%0.49%1.35%75.5%
Q3 202482$103.2M11.22%0.06%1.49%76.5%
Q2 202479$105.3M10.85%0.22%1.52%72.6%

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 ratio11.15%
53rd
Total risk-based capital14.74%
66th
Problem loans0.81%
33rd
Net charge-offs-0.01%
88th
Return on assets1.86%
83rd
Net interest margin4.69%
85th
Efficiency ratio56.0%
69th
Loans to deposits83.3%
43rd
Uninsured deposits14.0%
85th
Loan-loss reserves1.23%
54th
Texas ratio4.9%
36th

Similar-size banks in Minnesota

InstitutionScoreAssetsCapitalProblem loansCompare
Red River State BankBank Halstad, MN59 out of 100, Moderate$110.2M15.2%8.88%vs
The First National Bank of ColeraineBank Coleraine, MN65 out of 100, Moderate$112.0M7.6%0.00%vs
Security State Bank of WanamingoBank Wanamingo, MN84 out of 100, Strong$112.7M11.4%0.00%vs
Produce State BankBank Hollandale, MN69 out of 100, Moderate$107.2M10.3%1.26%vs
Farmers State Bank of UnderwoodBank Underwood, MN74 out of 100, Strong$113.8M8.6%0.03%vs
Prairie Sun BankBank Milan, MN58 out of 100, Moderate$107.0M9.9%1.82%vs

Deposit insurance

Is my money safe at First State Bank of Le Center?

Yes. First State Bank of Le Center is an FDIC-insured institution (FDIC certificate #9330). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 14.0% of deposits ($12.9M) 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 11.15%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.74% (benchmark: 10%).

Check how much of your own balance is covered

2 locations

Branches

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

  • Henderson, MN (1)
  • Le Center, MN (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, First State Bank of Le Center reported 51 home-loan applications under HMDA (LEI 2549007Q0B6XK1XTYG16): 47 originated ($7,185,000 total), 1 denied, and 3 withdrawn or closed by the applicant. Its denial rate on decided applications was 2.1%, 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 of Le Center
Type
State-chartered bank
FDIC certificate #
9330
RSSD ID
986159
Primary regulator
FDIC
Holding company
First St Agency of Le Ctr Inc
Established
January 1, 1902
Headquarters
88 N Park Ave, Le Center, MN 56057
Employees
17

Quick answers

First State Bank of Le Center: common questions

Is First State Bank of Le Center FDIC insured?

Yes. First State Bank of Le Center is an FDIC-insured institution (FDIC certificate #9330). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First State Bank of Le Center's TellerScore?

76 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 of Le Center ever failed?

There is no failure record for FDIC certificate #9330 in the FDIC failed bank list.

How many branches does First State Bank of Le Center have?

2 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Le Center

InstitutionScoreAssetsCapitalProblem loansCompare
Janesville State BankBank Janesville, MN81 out of 100, Strong$98.8M11.4%0.00%vs
Elysian BankBank Elysian, MN79 out of 100, Strong$76.0M12.2%0.74%vs
First Farmers & Merchants BankBank Cannon Falls, MN77 out of 100, Strong$486.4M10.1%0.01%vs
Minnesota Valley Federal Credit UnionCredit union Mankato, MN77 out of 100, Strong$329.0M11.5%0.56%vs
Cornerstone State BankBank Montgomery, MN74 out of 100, Strong$247.0M10.6%0.80%vs
Lake Country Community BankBank Morristown, MN74 out of 100, Strong$31.5M11.9%0.00%vs