First Community Bank
Lester Prairie, MN
IDRSSD: 1017555
Total Assets
$87.47M
Latest filing
Total Deposits
$77.14M
Latest filing
Net Interest Margin
-4.05%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
First Community Bank
500 Central Ave
Lester Prairie, MN 55354
Full Service - Brick and Mortar
Updated 11/14/2025Established 09/15/1913FDIC Certificate 5443
Branches (1)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| First Community Bank (Main) | 500 Central Ave | Lester Prairie, MN |
| SILVER LAKE BRANCH | 201 Main St W | Silver Lake, MN |
Showing 1 of 1
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 09/15/1913 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 55354 |
| State and County Number | 27085 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 09 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | Hutchinson, MN |
Operational Info
| Number of Employees | 13 |
| Domestic Offices | 2 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.fcblpsl.com |
| Data Updated | 11/14/2025 |
| CERT | 8535 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $87.47M |
| Total Deposits | $77.14M |
| Total Liabilities | $77.42M |
| Total Equity Capital | $10.05M |
| Net Income | $-446,000 |
| Net Loans and Leases | $37.13M |
| Assets Per Employee ($Millions) | $6.73M |
| Bank Premises and Fixed Assets | $504.00k |
| Cash and Balances due from Depository Institutions | $24.50M |
| Deposits Held in Domestic Offices | $77.14M |
Key Performance Ratios
| Return on Assets (ROA) | -2.08% |
| Return on Equity (ROE) | -21.39% |
| Net Interest Margin | -4.05% |
| Efficiency Ratio | 101.03% |
| Tier 1 Risk-Based Capital Ratio | 16.379% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 1.79% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.495% |
| Earning Assets to total Assets | 93.32% |
Income and Expense
| Total Interest Income | $-1,124,000 |
| Total Noninterest Income | $-48,000 |
| Total Interest Expense | $-299,000 |
| Total Noninterest Expense | $-790,000 |
| Net Interest Income | $-825,000 |
| Pre-tax Net Operating Income | $-468,000 |
| Provision for Credit Losses | $385.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $279.00k |
| Total Liabilities and Capital | $87.47M |
Securities
| Securities | $21.02M |
| Available-for-sale debt securities | $21.02M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First Community Bank?
$87.47M as of the latest filing.
How much are First Community Bank's total deposits?
$77.14M in total deposits.
Where is First Community Bank located?
Lester Prairie, MN.
What is the Net Interest Margin?
-4.05%.
How many domestic offices does it operate?
2.
When was it established?
09/15/1913.
What is the Return on Assets (ROA)?
-2.08%.
How much are total loans and leases?
$37.13M (latest filing).
What is the total interest income (latest filing)?
$-1,124,000.