First State Bank of Sauk Centre
Sauk Centre, MN
IDRSSD: 769156
Total Assets
$143.18M
Latest filing
Total Deposits
$130.16M
Latest filing
Net Interest Margin
2.43%
Profitability
Key People
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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 | 09/01/1880 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 56378 |
| State and County Number | 27145 |
| Subchapter S Corporations | No |
| Trust Powers | Trust Powers Not Known |
| Federal Reserve ID Number | 09 |
| Numeric code | 21 |
| Insured by FDIC | Institution closed or not insured by FDIC |
| Federal Reserve District | KANSAS CITY |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 14 |
| Domestic Offices | 2 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 01/01/2025 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | N/A |
| Data Updated | 2/13/2026 |
| CERT | 8831 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $143.18M |
| Total Deposits | $130.16M |
| Total Liabilities | $131.33M |
| Total Equity Capital | $11.85M |
| Net Income | $-311,000 |
| Net Loans and Leases | $76.27M |
| Assets Per Employee ($Millions) | $10.23M |
| Bank Premises and Fixed Assets | $1.50M |
| Cash and Balances due from Depository Institutions | $24.14M |
| Deposits Held in Domestic Offices | $130.16M |
Key Performance Ratios
| Return on Assets (ROA) | -0.86% |
| Return on Equity (ROE) | -9.54% |
| Net Interest Margin | 2.43% |
| Efficiency Ratio | 88.36% |
| Tier 1 Risk-Based Capital Ratio | 15.268% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 1.52% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.273% |
| Earning Assets to total Assets | 95.79% |
Income and Expense
| Total Interest Income | $1.61M |
| Total Noninterest Income | $60.00k |
| Total Interest Expense | $773.00k |
| Total Noninterest Expense | $797.00k |
| Net Interest Income | $842.00k |
| Pre-tax Net Operating Income | $-445,000 |
| Provision for Credit Losses | $550.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $214.00k |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.17M |
| Total Liabilities and Capital | $143.18M |
Securities
| Securities | $37.12M |
| Available-for-sale debt securities | $36.85M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $275.00k |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First State Bank of Sauk Centre?
$143.18M as of the latest filing.
How much are First State Bank of Sauk Centre's total deposits?
$130.16M in total deposits.
Where is First State Bank of Sauk Centre located?
Sauk Centre, MN.
What is the Net Interest Margin?
2.43%.
How many domestic offices does it operate?
2.
When was it established?
09/01/1880.
What is the Return on Assets (ROA)?
-0.86%.
How much are total loans and leases?
$76.27M (latest filing).
What is the total interest income (latest filing)?
$1.61M.