The First State Bank of Rosemount is a state-chartered bank headquartered in Rosemount, Minnesota, in business for about 117 years. At the end of Q2 2026 it reported $146.1M in total assets and $138.4M in deposits, with 2 offices.
The First State Bank of Rosemount has a TellerScore of 27 out of 100 (low) based on Q2 2026 data — higher than only 0% of its 2,650 banks with $100 million – $1 billion. Among 223 banks headquartered in Minnesota, it ranks 222nd. Funding & liquidity contributes the most (87/100, 73% loans-to-deposits, 10% uninsured); loan quality contributes the least (4/100, 2.88%).
TellerScore · Q2 2026
Scorecard
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 (24 → 27), mostly because the problem-loan coverage component improved by 27 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 49 |
| Q3 2024 | 26 |
| Q4 2024 | 25 |
| Q1 2025 | 23 |
| Q2 2025 | 24 |
| Q3 2025 | 24 |
| Q4 2025 | 21 |
| Q1 2026 | 28 |
| Q2 2026 | 27 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 7.71% |
| Q3 2024 | 7.05% |
| Q4 2024 | 7.00% |
| Q1 2025 | 6.84% |
| Q2 2025 | 6.59% |
| Q3 2025 | 6.37% |
| Q4 2025 | 6.11% |
| Q1 2026 | 6.09% |
| Q2 2026 | 6.28% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.16% |
| Q3 2024 | 4.00% |
| Q4 2024 | 3.58% |
| Q1 2025 | 3.80% |
| Q2 2025 | 3.59% |
| Q3 2025 | 4.16% |
| Q4 2025 | 3.73% |
| Q1 2026 | 2.62% |
| Q2 2026 | 2.88% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.22% |
| Q3 2024 | 0.27% |
| Q4 2024 | 0.31% |
| Q1 2025 | 0.09% |
| Q2 2025 | 0.28% |
| Q3 2025 | 0.32% |
| Q4 2025 | 0.11% |
| Q1 2026 | 0.12% |
| Q2 2026 | 0.33% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 27 | $146.1M | 6.28% | 2.88% | 0.33% | 73.4% |
| Q1 2026 | 28 | $155.4M | 6.09% | 2.62% | 0.12% | 70.0% |
| Q4 2025 | 21 | $151.6M | 6.11% | 3.73% | 0.11% | 74.4% |
| Q3 2025 | 24 | $151.4M | 6.37% | 4.16% | 0.32% | 72.8% |
| Q2 2025 | 24 | $144.4M | 6.59% | 3.59% | 0.28% | 75.9% |
| Q1 2025 | 23 | $142.0M | 6.84% | 3.80% | 0.09% | 73.1% |
| Q4 2024 | 25 | $131.8M | 7.00% | 3.58% | 0.31% | 75.0% |
| Q3 2024 | 26 | $132.2M | 7.05% | 4.00% | 0.27% | 71.6% |
| Q2 2024 | 49 | $127.7M | 7.71% | 1.16% | 0.22% | 71.6% |
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).
Similar-size banks in Minnesota
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Security Bank MinnesotaBank Albert Lea, MN | 52 out of 100, Below average | $145.1M | 9.8% | 2.30% | vs |
| Citizens State Bank Norwood Young AmericaBank Norwood Young America, MN | 48 out of 100, Below average | $141.3M | 8.1% | 3.42% | vs |
| Valley Premier BankBank Hawley, MN | 81 out of 100, Strong | $141.0M | 11.1% | 0.00% | vs |
| Northwoods Bank of MinnesotaBank Park Rapids, MN | 80 out of 100, Strong | $140.6M | 11.2% | 0.03% | vs |
| First Farmers & Merchants National BankBank Fairmont, MN | 68 out of 100, Moderate | $140.4M | 10.6% | 0.06% | vs |
| Security State Bank of HibbingBank Hibbing, MN | 64 out of 100, Moderate | $151.9M | 11.6% | 1.54% | vs |
Deposit insurance
Is my money safe at The First State Bank of Rosemount?
Yes. The First State Bank of Rosemount is an FDIC-insured institution (FDIC certificate #9769). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 9.8% of deposits ($13.5M) 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 6.28%, slightly above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 10.89% (benchmark: 10%).
2 locations
Branches
The First State Bank of Rosemount lists 2 offices in 1 city. Most locations:
- Rosemount, MN (2)
Identity & history
Profile
- Legal name
- The First State Bank of Rosemount
- Type
- State-chartered bank
- FDIC certificate #
- 9769
- RSSD ID
- 760957
- Primary regulator
- FDIC
- Holding company
- Higgins Bcorp Inc
- Established
- January 1, 1909
- Headquarters
- 3025 145th St W, Rosemount, MN 55068
- Website
- www.fsbrosemount.com
- Employees
- 16
Quick answers
The First State Bank of Rosemount: common questions
Is The First State Bank of Rosemount FDIC insured?
Yes. The First State Bank of Rosemount is an FDIC-insured institution (FDIC certificate #9769). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The First State Bank of Rosemount's TellerScore?
27 out of 100 (Low), 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 State Bank of Rosemount ever failed?
There is no failure record for FDIC certificate #9769 in the FDIC failed bank list.
How many branches does The First State Bank of Rosemount have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Rosemount
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Castle Rock BankBank Castle Rock, MN | 93 out of 100, Very strong | $293.5M | 14.2% | 0.01% | vs |
| Vermillion State BankBank Vermillion, MN | 90 out of 100, Very strong | $931.4M | 13.4% | 0.24% | vs |
| Ziegler Federal Credit UnionCredit union Bloomington, MN | 87 out of 100, Very strong | $4.3M | 26.9% | 1.09% | vs |
| Think Mutual BankBank Rochester, MN | 86 out of 100, Very strong | $2.2B | 16.3% | 0.25% | vs |
| Carpenters Federal Credit UnionCredit union Saint Paul, MN | 86 out of 100, Very strong | $44.3M | 16.0% | 1.01% | vs |
| Toro Employees Federal Credit UnionCredit union Bloomington, MN | 84 out of 100, Strong | $41.5M | 14.5% | 0.56% | vs |