TellerScore

Headquartered in Lonsdale, Minnesota, The First National Bank of Le Center is a national bank with $178.2M in total assets and $139.6M in deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1903.

Based on its Q2 2026 filing, The First National Bank of Le Center scores 58/100, which we describe as moderate. That is higher than only 16% of 2,650 banks with $100 million – $1 billion. Among 223 banks headquartered in Minnesota, it ranks 180th. Its strongest component is earnings (83/100; 1.57%), and its lowest is loan quality (43/100; 1.72%).

TellerScore · Q2 2026

Scorecard

Capital cushion45/100
Tier 1 leverage ratio: 9.50%
Loan quality43/100
Noncurrent loans ÷ total loans: 1.72%
Earnings83/100
Return on assets (annualized): 1.57%
Funding & liquidity67/100
Loans ÷ deposits and uninsured-deposit share: 92.9% · 4.5% uninsured
Problem-loan coverage74/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 12.85%

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 9 points (49 → 58), mostly because the loan quality component improved by 31 points.

TellerScore
465971Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202446
Q3 202468
Q4 202468
Q1 202571
Q2 202549
Q3 202558
Q4 202567
Q1 202664
Q2 202658
Tier 1 leverage ratio
5.00%7.50%10.01%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.74%
Q3 202410.01%
Q4 20249.48%
Q1 20259.78%
Q2 20259.71%
Q3 20259.98%
Q4 20258.45%
Q1 20269.38%
Q2 20269.50%
Noncurrent loans
0.24%1.44%2.64%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20242.53%
Q3 20240.45%
Q4 20240.24%
Q1 20250.57%
Q2 20252.64%
Q3 20251.93%
Q4 20250.32%
Q1 20261.24%
Q2 20261.72%
Return on assets
0.72%1.21%1.70%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.73%
Q3 20240.78%
Q4 20240.72%
Q1 20251.37%
Q2 20251.42%
Q3 20251.40%
Q4 20251.12%
Q1 20261.70%
Q2 20261.57%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202658$178.2M9.50%1.72%1.57%92.9%
Q1 202664$175.3M9.38%1.24%1.70%89.4%
Q4 202567$178.3M8.45%0.32%1.12%80.5%
Q3 202558$173.8M9.98%1.93%1.40%81.2%
Q2 202549$165.1M9.71%2.64%1.42%88.8%
Q1 202571$161.7M9.78%0.57%1.37%79.9%
Q4 202468$157.0M9.48%0.24%0.72%81.2%
Q3 202468$156.7M10.01%0.45%0.78%82.5%
Q2 202446$155.4M9.74%2.53%0.73%82.9%

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 ratio9.50%
21st
Total risk-based capital0.00%
24th
Problem loans1.72%
15th
Net charge-offs-0.01%
87th
Return on assets1.57%
69th
Net interest margin3.75%
39th
Efficiency ratio51.0%
81st
Loans to deposits92.9%
21st
Uninsured deposits4.5%
99th
Loan-loss reserves0.98%
24th
Texas ratio12.8%
13th

Similar-size banks in Minnesota

InstitutionScoreAssetsCapitalProblem loansCompare
Woodland BankBank Deer River, MN52 out of 100, Below average$177.5M8.6%1.53%vs
Americana Community BankBank Sleepy Eye, MN67 out of 100, Moderate$179.9M11.7%0.60%vs
Battle Bank, National AssociationBank Upsala, MN79 out of 100, Strong$180.8M33.3%0.00%vs
First Security Bank - Sleepy EyeBank Sleepy Eye, MN73 out of 100, Strong$182.8M15.3%2.60%vs
Pine River State BankBank Pine River, MN64 out of 100, Moderate$185.3M8.5%0.74%vs
Freeport State BankBank Freeport, MN77 out of 100, Strong$165.5M10.7%0.00%vs

Deposit insurance

Is my money safe at The First National Bank of Le Center?

Yes. The First National Bank of Le Center is an FDIC-insured institution (FDIC certificate #5180). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 4.5% of deposits ($6.3M) 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 9.50%, 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

2 locations

Branches

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

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, The First National Bank of Le Center reported 55 home-loan applications under HMDA (LEI 5493002XYKZPDHNHJY97): 53 originated ($10,625,000 total), 2 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 3.6%, 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
The First National Bank of Le Center
Type
National bank
FDIC certificate #
5180
RSSD ID
986551
Primary regulator
OCC
Holding company
Traxshares Inc
Established
January 1, 1903
Headquarters
701 Ash St Ne, Lonsdale, MN 55046
Employees
20

Quick answers

The First National Bank of Le Center: common questions

Is The First National Bank of Le Center FDIC insured?

Yes. The First National Bank of Le Center is an FDIC-insured institution (FDIC certificate #5180). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The First National Bank of Le Center's TellerScore?

58 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 The First National Bank of Le Center ever failed?

There is no failure record for FDIC certificate #5180 in the FDIC failed bank list.

How many branches does The First National Bank of Le Center have?

2 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Lonsdale

InstitutionScoreAssetsCapitalProblem loansCompare
Castle Rock BankBank Castle Rock, MN93 out of 100, Very strong$293.5M14.2%0.01%vs
Vermillion State BankBank Vermillion, MN90 out of 100, Very strong$931.4M13.4%0.24%vs
Think Mutual BankBank Rochester, MN86 out of 100, Very strong$2.2B16.3%0.25%vs
Genisys Credit UnionCredit union Auburn Hills, MI81 out of 100, Strong$6.6B15.5%1.09%vs
Elysian BankBank Elysian, MN79 out of 100, Strong$76.0M12.2%0.74%vs
Premier Bank MinnesotaBank Hastings, MN77 out of 100, Strong$691.5M10.0%0.04%vs