First State Bank and Trust
Bayport, MN
IDRSSD: 144856
Total Assets
$473.21M
Latest filing
Total Deposits
$430.37M
Latest filing
Net Interest Margin
3.80%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
First State Bank and Trust
950 Highway 95 N
Bayport, MN 55003
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1914FDIC Certificate 6500
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| First State Bank and Trust (Main) | 950 Highway 95 N | Bayport, MN |
| OAK PARK HEIGHTS BRANCH | 5891 Neal Ave N | Oak Park Heights, MN |
| BOUTWELL'S LANDING - TOWN SQUARE BRANCH | 5590 Norwich Pkwy | Oak Park Heights, MN |
| HUDSON, WI BRANCH | 680 Annabelle Way | Hudson, WI |
Showing 3 of 3
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 | 01/01/1914 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 55003 |
| State and County Number | 27163 |
| Subchapter S Corporations | Yes |
| Trust Powers | Full Trust Powers Granted |
| 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 | Minneapolis-St. Paul-Bloomington, MN-WI |
Operational Info
| Number of Employees | 81 |
| Domestic Offices | 4 |
| 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 | https://www.fsbt.com |
| Data Updated | 01/30/2026 |
| CERT | 10159 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $473.21M |
| Total Deposits | $430.37M |
| Total Liabilities | $434.41M |
| Total Equity Capital | $38.80M |
| Net Income | $2.02M |
| Net Loans and Leases | $298.55M |
| Assets Per Employee ($Millions) | $5.77M |
| Bank Premises and Fixed Assets | $11.30M |
| Cash and Balances due from Depository Institutions | $68.92M |
| Deposits Held in Domestic Offices | $430.37M |
Key Performance Ratios
| Return on Assets (ROA) | 1.8% |
| Return on Equity (ROE) | 21.05% |
| Net Interest Margin | 3.8% |
| Efficiency Ratio | 68.44% |
| Tier 1 Risk-Based Capital Ratio | 14.492% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.2% |
| Earning Assets to total Assets | 94.91% |
Income and Expense
| Total Interest Income | $5.80M |
| Total Noninterest Income | $2.36M |
| Total Interest Expense | $1.76M |
| Total Noninterest Expense | $4.39M |
| Net Interest Income | $4.05M |
| Pre-tax Net Operating Income | $2.02M |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $2.14M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $4.04M |
| Total Liabilities and Capital | $473.21M |
Securities
| Securities | $85.14M |
| Available-for-sale debt securities | $85.14M |
| Equity securities with readily determinable fair values not held for trading | — |
| 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 State Bank and Trust?
$473.21M as of the latest filing.
How much are First State Bank and Trust's total deposits?
$430.37M in total deposits.
Where is First State Bank and Trust located?
Bayport, MN.
What is the Net Interest Margin?
3.80%.
How many domestic offices does it operate?
4.
When was it established?
01/01/1914.
What is the Return on Assets (ROA)?
1.8%.
How much are total loans and leases?
$298.55M (latest filing).
What is the total interest income (latest filing)?
$5.80M.